Key features
- 25% cashback on Airtel Mobile, Broadband, WiFi and DTH via Airtel Thanks App (dynamic cap: 2x base cashback earned on other spends)
- 10% cashback on utility bills via Airtel Thanks App (dynamic cap: 1x base cashback; effective 12 April 2026)
- 10% value-back on Zomato, Blinkit, and District Movies , Rs 200/partner/month, credited to partner wallets (not statement credit)
- 1% base cashback on all other spends including UPI payments (RuPay network enables UPI credit card linking)
- Annual fee of Rs 500 waived on annual spend of Rs 2 lakh
- Welcome benefit: Rs 250 Amazon eVoucher on first transaction within 30 days of card issuance
- Available on RuPay (supports UPI credit card) and Mastercard; RuPay is the current primary variant
- 1% fuel surcharge waiver on transactions Rs 400-4,000, capped at Rs 500 per statement
Cashback
| Category | Rate | Detail |
|---|---|---|
| telecom | 25% | 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App. Cap = 2x base cashback earned in the same statement month (base = 1% on other non-Airtel, non-utility spends). Example: Rs 25,000 other spend earns Rs 250 base, giving Airtel cap of Rs 500. Old fixed cap of Rs 250 was replaced by this dynamic formula effective 12 April 2026. |
| utility | 10% | 10% cashback on utility bills (gas, electricity, etc.) via Airtel Thanks App. Cap = 1x base cashback earned in the same statement month. Dynamic cap formula effective 12 April 2026 (old cap was Rs 250 fixed). |
| food delivery | 10% | Cap ₹200. 10% value-back on Zomato, Blinkit, and District Movies. Cap Rs 200 per partner per month (up to Rs 600 total across all three); minimum order Rs 499 for Zomato and Blinkit. Value-back is credited to each partner app wallet, NOT as statement credit. |
| Default cashback rate | 1% | All other eligible spends |
Fees
| Joining feeCurrently offered at Rs 0 under an LTF promotion for new-to-Axis Bank credit card customers; verify at time of application as promo availability changes | ₹500 |
| Annual feeWaived on annual spend of Rs 2,00,000+ | ₹500 |
Eligibility
Frequently asked questions
What changed on the Airtel Axis Bank Credit Card in April 2026?
Axis Bank revised the cashback structure effective 12 April 2026. The fixed Rs 250 monthly cap on the 25% Airtel telecom cashback was replaced by a dynamic cap of twice the base (1%) cashback earned on other spending in the same month. The 10% utility cap was similarly changed to 1x base cashback. Lounge access (previously four domestic visits a year) was removed, and the Swiggy and BigBasket benefit was replaced by 10% value-back on Zomato, Blinkit, and District Movies credited to partner wallets.
How much other card spending is needed to reach the full 25% Airtel cashback rate?
The Airtel cap equals 2% of non-Airtel, non-utility card spend in the same statement month. To realise the full 25% on an Airtel bill, other monthly card spend must be at least 12.5 times the Airtel bill amount. For a Rs 1,000 Airtel bill, that means Rs 12,500 in other card spend; for a Rs 2,000 bill, it requires Rs 25,000. Below those thresholds the effective cashback rate on the Airtel bill is lower than 25%.
Does the Airtel Axis Bank Credit Card offer lounge access?
No. Axis Bank removed the four complimentary domestic lounge visits that the card previously offered, effective 12 April 2026. The card currently provides no lounge access of any kind.
Ready to apply for the Airtel Axis Bank Credit Card?
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