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Axis BankGold

Axis Bank Airtel Credit Card

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Quick facts

Axis Bank Airtel Credit Card

Top reward25%

Annual fee₹500

Min income₹20,000/mo

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💰Cashback Kings

Axis Bank · Gold tier

Axis Bank Airtel Credit Card

Best for Airtel postpaid/broadband/DTH households.

Key Benefits

Airtel bills (Thanks app): 25% (cap ₹250/mo)Food delivery & utilities: 10% (cap ₹250/mo each)Other spends: 1%Annual fee waiver at ₹2,00,000 yearly spend

Realistic net value (moderate user)

₹8,070/year

Annual fee

₹500

Issuer headline rate: 25% — see calculator for caps

After ₹500 fee & ₹630 forex. Based on ₹40,000/mo spend.

Age 21–60From ₹20,000/mo incomeUnsecured

Not your spend profile? Customize in the calculator →

12,400 users matched · Verified 2026-06-25

Apply directly with the bank. We never call you. The bank may contact you on their application form.

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency commitment

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

Airtel bills (Thanks app): 25% (cap ₹250/mo)
Food delivery & utilities: 10% (cap ₹250/mo each)
Other spends: 1%
25% on Airtel bills via Thanks app
Cashback on utilities & food delivery
Low annual fee
Annual fee waiver at ₹2,00,000 yearly spend
Best for: Airtel postpaid/broadband/DTH users
Best for: Utility bill payers

Source: Axis Airtel Card T&Cs

💰Cashback Kings

Flat cashback on spends — no points math

UPI rewards (credit on UPI)

UPI credit not supported

Visa/Mastercard — UPI credit not supported.

UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.

Reward Structure

Source: Axis Airtel Card T&Cs

Airtel bills (Thanks app)

25%

Cap: ₹250/mo

Example: ₹250/mo spend → ≈ ₹62.50/mo (max at cap)

Food delivery & utilities

10%

Cap: ₹250/mo each

Example: ₹250/mo spend → ≈ ₹25/mo (max at cap)

Other spends

Example: ₹10,000/mo spend → ≈ ₹100/mo

Excluded categories (no rewards)

EMIFuelRentWalletGovernment

Fee waiver at

₹2,00,000 annual spend

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹8,700

Before fees & forex

Costs / year

₹630

Fee ₹0 + forex ₹630

Net value / year

₹8,070

1.68% effective return on spend

Category-wise breakdown

Utilities & bills (Airtel only)

Spend ₹4,000/mo · 25% cashback

₹3,000/year

₹250/mo

₹4,000 × 25% = ₹250/moCap hit at ₹250/mo — extra spend earns less

Dining & food delivery

Spend ₹4,000/mo · 10% cashback

₹3,000/year

₹250/mo

₹4,000 × 10% = ₹250/moCap hit at ₹250/mo — extra spend earns less

All other eligible spends

Spend ₹22,500/mo · 1% cashback

₹2,700/year

₹225/mo

₹22,500 × 1% = ₹225/mo

Fee waiver likely: Your ₹4,80,000/yr spend exceeds the ₹2,00,000 waiver threshold.

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Best for

→Airtel postpaid/broadband/DTH users
→Utility bill payers

Still deciding? Compare side-by-side or get a personalized shortlist.

Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹500

Annual / renewal fee

Waived on ₹2,00,000 annual spend

₹500

Forex markup

3.5% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹8,700

Annual fee− ₹0

Forex cost− ₹630

Net annual value₹8,070

Eligibility Snapshot

Public criteria from Axis Airtel Card T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹20,000/mo

Min income (self-employed)₹2,40,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with Axis Bank Airtel Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹8,700/year. After the ₹500 annual fee, net value is approximately ₹8,070/year. Use the calculator above to model your own spends.

What is the minimum income for Axis Bank Airtel Credit Card?+

₹20,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent, Wallet, Government.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.

How do I get the annual fee waived?+

Spend ₹2,00,000 in a calendar year to get the ₹500 renewal fee reversed.