← Part of Axis Credit Cards in India
The Airtel Axis Bank Credit Card offers a credit limit of up to ₹5 Lakhs and an interest rate starting from 3.6% per month (55.55% p.a.). This co-branded card, launched by Axis Bank and Bharti Airtel, provides significant cashback on Airtel services and utility bills, though some benefits like complimentary lounge access were discontinued effective April 12, 2026.
| Parameter | Details |
|---|---|
| Card Type | Co-branded Credit Card (Axis Bank & Bharti Airtel) |
| Issuer | Axis Bank and Bharti Airtel |
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST (waived from second year on annual spends of ₹2 Lakh in previous year) |
| Interest Rate (Finance Charge) | 3.75% per month (55.55% per annum) or starting from 3.6% per month |
| Credit Limit | Up to ₹5 Lakhs |
| Cashback on Airtel Services | 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH bill payments via Airtel Thanks App (Max CAP p.m is twice the base cashback earned during the same statement month, previously ₹250 p.m.) |
| Cashback on Utility Bills | 10% cashback on utility bill payments via Airtel Thanks App (Capped at the base cashback earned during the same month, effective 12 April 2026) |
| Cashback on Preferred Merchants | 10% cashback on Zomato, Swiggy, BigBasket, Blinkit, and District Movies (Capped at ₹500 monthly combined limit, previously ₹200 per partner) |
| Cashback on Other Spends | 1% cashback on other eligible spends (no capping effective 12 April 2026) |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on fuel purchases at all fuel stations across India (subject to monthly limits) |
| Complimentary Lounge Access | Discontinued effective 12 April 2026 (previously 4 complimentary domestic airport lounge visits per calendar year) |
| Welcome Benefit | ₹500 Amazon e-voucher upon making first transaction within 30 days of card issuance |
| Dining Discount | Up to 20% off at 4000+ partner restaurants in India |
| Eligibility Age | 18 to 70 years |
| Citizenship | Indian Citizen |
| Application Process | 100% digital via Airtel app/Airtel Thanks app, doorstep delivery |
| Approval Time | Instant preliminary approval, final confirmation within 7-10 working days |
| Key Revisions Effective Date | 12 April 2026 (for cashback capping, lounge access, and merchant categories) |
| Terms & Conditions Update | 20th April, 2024 |
The card aims to provide substantial value-back, particularly for Airtel users and those with high utility and food delivery spends, despite recent revisions to its benefits structure.
Card Features & Cashback Categories
The Airtel Axis Bank Credit Card offers up to 25% cashback on Airtel services and 10% on utility bills, making IT a strong option for digital spends in India. As of April 12, 2026, cashback caps have been revised, and complimentary lounge access has been discontinued.
| Type/Category | Details | Key Feature |
|---|---|---|
| Cashback on Airtel Services | 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH bill payments via Airtel Thanks App. | Max CAP p.m is twice the base cashback earned during the same statement month (effective 12 April 2026). |
| Cashback on Utility Bills | 10% cashback on gas, electricity, and water bill payments via the Airtel Thanks app. | Capped at ₹250 per month (effective 12 April 2026, previously uncapped). |
| Cashback on Food & Groceries | 10% cashback on Zomato, Swiggy, and BigBasket transactions. | Combined monthly limit of ₹500. |
| General Spends Cashback | 1% cashback on all other eligible spends. | No capping (effective 12 April 2026). |
| Welcome Benefit | Amazon e-voucher worth ₹500. | Received upon making the first transaction within 30 days of card issuance. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on fuel purchases at all fuel stations across India. | Applicable on fuel spends between ₹400 to ₹4,000. Max waiver up to ₹500 per statement cycle. |
| Annual Fee Waiver | Annual fee of ₹500 is waived from the second year. | If total card spends exceed ₹2 lakh in the previous year. |
| Dining Discounts | Up to 20% off at 4000+ partner restaurants in India. | Specific discount percentage and partner list may vary. |
| EMI Conversion | Convert transactions of ₹1,500 and above into easy EMIs. | Flexible repayment terms available. |
| Domestic Airport Lounge Access | 4 complimentary domestic airport lounge visits per calendar year. | Benefit discontinued effective 12 April 2026. |
| Credit Limit | Credit limit up to ₹5 Lakhs. | Provides flexibility for various purchase sizes. |
| Interest Rate | Interest rates start from 3.6% per month. | Finance charge is 3.75% per month (55.55% per annum). |
| Cheque Return/Dishonour Fee | 2% of the amount (minimum ₹450 & maximum ₹1,504). | Applicable for cheque returns or auto-debit reversals. |
| Rent Transaction Fee | 1% of the rental transaction amount (up to ₹1,500 per transaction). | Applies to rent payments made via the card. |
| Dynamic Currency Conversion Markup Fee | 1% + taxes. | Applicable on international transactions where currency conversion is done by the merchant. |
The card’s revised cashback structure, effective April 12, 2026, prioritizes usage across multiple categories to maximize benefits, especially for Airtel and utility bill payments.
Cashback Value Chart & Capping (2026)
The Airtel Axis Bank Credit Card offers up to 25% cashback on Airtel services and 10% on utility bills, with revised capping rules effective April 12, 2026. These changes link accelerated cashback to the 1% base cashback earned on other spends. The card also provides 10% value-back on Zomato, Blinkit, and District Movies, capped at ₹200 per partner.
| Cashback Category | Cashback Rate | Capping (Effective 12 April 2026) |
|---|---|---|
| Airtel Mobile, Broadband, WiFi, DTH bill payments (via Airtel Thanks App) | 25% | Max CAP p.m. Is twice the 1% base cashback earned during the same statement month |
| Utility bill payments (electricity, water, gas via Airtel Thanks App) | 10% | Max CAP p.m. Is 1x the 1% base cashback earned during the same statement month |
| Zomato, Blinkit, and District Movies (value-back) | 10% | ₹200 per partner |
| Minimum transaction for Zomato & Blinkit value-back | N/A | ₹499 |
| Other eligible spends | 1% | No capping |
The revised cashback structure emphasizes using the card for general retail transactions to maximize benefits on Airtel and utility payments. Complimentary domestic lounge visits have been discontinued from April 12, 2026.
Applying for Airtel Axis Credit Card
Applying for the Airtel Axis Bank Credit Card is a fully digital process, primarily through the Airtel Thanks app. Applicants must be Indian citizens between 18 and 70 years old, providing standard identity and income proofs.
The application typically receives preliminary approval instantly, with final card confirmation within 7-10 working days.
- Application Channel: Apply directly through the Airtel app or Airtel Thanks app for a streamlined digital experience.
- Age Requirement: Primary cardholders must be between 18 and 70 years of age to be eligible.
- Citizenship: Applicants must hold Indian citizenship or be a resident of India.
- Identity Proof: A copy of your PAN card, Aadhaar card, or passport is required for identity verification.
- Residence Proof: Submit utility bills, bank statements, or rental agreements as evidence of residency.
- Income Proof: Provide your latest payslip, Form 16, or IT return copy to demonstrate income stability.
- Employment Proof: An office ID card or appointment letter may be requested for employment verification.
- Minimum Income: The minimum monthly income requirement for the RuPay variant is ₹15,000 to ₹25,000.
- Credit Limit: Approved cards typically offer a credit limit of up to ₹5 lakh, based on your financial profile.
- Welcome Benefit: Receive an Amazon e-voucher worth ₹500 upon making your first transaction within 30 days of card issuance.
Responsible application practices, such as spacing out credit card applications, help maintain a positive credit profile and improve approval chances.
Benefits & Advantages for Users
The Airtel Axis Bank Credit Card offers significant cashback on Airtel services and utility bills, making IT a strong choice for existing Airtel customers. Cardholders also receive an Amazon e-voucher worth ₹500 as a welcome benefit upon their first transaction.
- Cashback on Airtel Services: Users get 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH bill payments made via the Airtel Thanks App. This benefit has a maximum CAP per month equal to twice the base cashback earned during the same statement month, effective April 12, 2026.
- Utility Bill Cashback: The card provides 10% cashback on utility bill payments made through the Airtel Thanks App. This cashback is capped at the base cashback earned during the same month, effective April 12, 2026.
- Food and Grocery Cashback: Cardholders earn 10% cashback on transactions made with Zomato, Swiggy, and BigBasket. This category has a combined monthly limit of ₹500.
- Welcome Offer: New cardholders receive an Amazon e-voucher worth ₹500 upon completing their first transaction within 30 days of card issuance.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver applies to fuel purchases at all petrol stations across India. This waiver is subject to monthly limits defined by Axis Bank.
- Dining Discounts: The card offers up to 20% off at over 4,000 partner restaurants across India, lifestyle benefits for users.
- General Spends Cashback: All other eligible spends earn 1% cashback, with no capping on the amount, effective April 12, 2026.
These benefits are designed to provide substantial savings on everyday expenses, particularly for those integrated into the Airtel ecosystem.
Eligibility Criteria & Documents
Applying for the Airtel Axis Bank Credit Card requires meeting specific age and residency criteria. As of 2026, applicants must be Indian citizens between 18 and 70 years old. A minimum monthly income of ₹15,000 to ₹25,000 is generally expected, depending on the card variant.
- Age and Citizenship: Primary cardholders must be Indian citizens aged 18 to 70 years. This range ensures broad accessibility for eligible applicants.
- Income Requirement: For the RuPay variant, a minimum monthly income of ₹15,000 to ₹25,000 is typically required. This threshold helps assess repayment capacity.
- Identity Proof: A copy of your PAN card is mandatory for application. Other accepted documents include an Aadhaar card or passport.
- Residence Proof: Applicants need to provide proof of residency, such as utility bills, bank statements, or a rental agreement. This confirms your current address.
- Income Proof: Submit your latest payslip, Form 16, or a copy of your Income Tax Return (ITR) to verify your income. Bank statements can also serve as proof.
- Application Process: The application is 100% digital, primarily through the Airtel app or Airtel Thanks app. Preliminary approval is often instant, with final confirmation within 7-10 working days.
Ensure all required documents are readily available for a smooth and quick application process through the Airtel app.
Airtel Axis Vs. Other Axis Cards
The Airtel Axis Bank Credit Card offers specific benefits tailored for Airtel users, unlike general cashback cards like Axis ACE or premium cards like Axis Magnus. While the Airtel Axis card focuses on utility and telecom bill payments, other Axis cards provide broader rewards or travel perks.
| Feature | Airtel Axis Bank Credit Card | Axis ACE Credit Card | Axis Magnus Credit Card |
|---|---|---|---|
| Annual Fee | ₹500 (waived on ₹2 Lakh annual spends) | ₹500 (waived on ₹2 Lakh annual spends) | ₹50,000 + GST |
| Cashback on Airtel Services (via Airtel Thanks App) | 25% (capped at twice the base cashback earned during the same statement month, effective April 12, 2026) | N/A | N/A |
| Cashback on Utility Bill Payments (via Airtel Thanks App) | 10% | 5% (via Google Pay) | N/A |
| Cashback on Swiggy/Zomato/BigBasket | 10% (capped at ₹500 per statement cycle) | N/A | N/A |
| Cashback on Other Spends | 1% (including UPI) | 2% (including rent) | N/A |
| Domestic Airport Lounge Access | Discontinued (effective April 12, 2026) | 1 complimentary per quarter (4 yearly, on ₹50,000+ spends in previous 3 months) | Travel benefits |
| Fuel Surcharge Waiver | 1% (subject to monthly limits) | 1% | N/A |
| Welcome Benefit | ₹500 Amazon e-voucher (on first transaction within 30 days) | N/A | N/A |
The Airtel Axis Bank Credit Card provides strong cashback for Airtel-related and utility expenses, making IT suitable for users with high spending in these categories. However, for broader cashback or premium travel benefits, other Axis Bank cards may offer more value.
Devaluation & Changes (April 2026)
The Airtel Axis Bank Credit Card has undergone significant revisions to its terms and conditions, effective April 12, 2026. These changes primarily impact cashback capping on accelerated categories and discontinue complimentary domestic lounge access.
Cardholders should review these updates to understand the revised value proposition of the card.
- Cashback Capping Revision: The maximum cashback for the 25% category (Airtel Mobile, Broadband, WiFi, DTH bill payments via Airtel Thanks App) is now capped at twice the base cashback earned in the same statement month. Previously, this was a fixed ₹250 monthly CAP.
- Utility Bill Cashback: Cashback on utility bill payments (10% via Airtel Thanks App) is now capped at the base cashback earned during the same month, effective April 12, 2026.
- Discontinuation of Lounge Access: The benefit of complimentary domestic lounge visits has been discontinued from April 12, 2026. Before this, the card offered 4 complimentary visits per calendar year at select Indian airports.
- Merchant-Specific Cashback Caps: Cashback on preferred merchants like Zomato, Blinkit, and District Movies (10%) is now capped at ₹200 per partner, effective April 12, 2026, for transactions of ₹499 or more.
- General Spends Cashback: The 1% cashback on other eligible spends remains uncapped, effective April 12, 2026.
These revisions alter the card’s overall value, especially for users heavily relying on lounge access or specific cashback categories.
Key Takeaways
- The Airtel Axis Bank Credit Card’s cashback on Airtel services is now capped based on base cashback, not a fixed ₹250 monthly limit (effective April 12, 2026).
- Complimentary domestic airport lounge access has been discontinued for this card from April 12, 2026.
- Cashback on utility bills and specific food/grocery merchants now has revised capping structures, impacting potential savings.
Review the updated terms and conditions on the official Axis Bank or Airtel Finance website before using the card.
Frequently Asked Questions (FAQs)
What are the key benefits of the Airtel Axis Bank Credit Card in 2026?
The Airtel Axis Bank Credit Card offers 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH bill payments made via the Airtel Thanks App, with a maximum monthly CAP. You also get 10% cashback on utility bill payments and food delivery through specific apps. , the card provides a 1% fuel surcharge waiver at all fuel stations across India.
What is the annual fee for the Airtel Axis Bank Credit Card and how can IT be waived in 2026?
The Airtel Axis Bank Credit Card has an annual fee of ₹500. This fee is waived from the second year onwards if your total card spends exceed ₹2 lakh in the previous year. The waiver is applied automatically once this spending threshold is met.
What are the eligibility criteria for the Airtel Axis Bank Credit Card in 2026?
To apply for the Airtel Axis Bank Credit Card, you must be an Indian citizen. The primary cardholder’s age must be between 18 and 70 years. Applicants also need to provide identity proof, residence proof, and proof of income like a recent payslip or Form 16.
Has the Airtel Axis Bank Credit Card discontinued lounge access in 2026?
Yes, the Airtel Axis Bank Credit Card discontinued complimentary domestic lounge visits effective April 12, 2026. This benefit is no longer available to cardholders. Axis Bank revised the terms and conditions for the card, impacting several features.
What is the interest rate on the Airtel Axis Bank Credit Card in 2026?
As of June 2026, the finance charge on the Airtel Axis Bank Credit Card is 3.75% per month. This translates to an annual interest rate of 55.55%. Always verify the current rate with Axis Bank directly.
What is the maximum credit limit offered by the Airtel Axis Bank Credit Card?
The Airtel Axis Bank Credit Card offers a credit limit of up to ₹5 lakh. This limit provides flexibility for various purchases, from small daily expenses to larger transactions. Your specific limit depends on your credit profile and income.
What documents are required to apply for the Airtel Axis Bank Credit Card in 2026?
You will need a copy of your PAN card or Form 97, proof of identity (like Aadhaar or Passport), proof of residence (like utility bills), a colour photograph, and proof of income. Income proof can be your latest payslip, Form 16, or IT return copy. Digital KYC verification is also part of the application process.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.