CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Axis Bank

Airtel Axis Bank Credit Card

54
Ranked #19 of 170 in credit
creditVisa/MastercardEntry-level utility co-brandLegacy · discontinued

Entry-level Axis x Airtel co-branded cashback card, historically strong for utility/telecom bill payments; underwent a major devaluation on 12 April 2026 that tied high-cashback categories to base-spend and removed lounge access.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value48/100 · weight 71%
≈ 2.36% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency95/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks9/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹500 + 18% GST
= ₹590 total
Annual fee
₹500 + 18% GST
= ₹590 / year total
Waiver: Waived from year 2 onwards on Rs 2 lakh annual spend in previous year (rent and wallet load transactions excluded from this spend calc)
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
food_deliverycashback10%₹200 / monthly10% value-back on Zomato/Blinkit, credited to PARTNER WALLET not card statement; min order value Rs 499; capped Rs 200/partner/month
utilitiescashback10%—10% cashback on non-Airtel utility bills (electricity, gas, water) via Airtel Thanks app only; capped at 1x the 1% base cashback earned same month
groceriescashback10%₹500 / monthly10% on Swiggy, Zomato, BigBasket
all_spendscashback1%—1% base cashback, no cap; this base earn determines the cap for Airtel/utility categories post-April 2026 devaluation

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

fuelcash advanceemirentwallet loadgovernmenteducationonline gaming

Welcome offer

Amazon e-voucher worth Rs 250 on first transaction within 30 days of card issuance (older sources cite Rs 500 — current official figure is Rs 250, verify at application)

Milestone benefits

Pros

  • Highest-in-class 25% cashback on Airtel Mobile/Broadband/WiFi/DTH via Airtel Thanks app, low Rs 500 fee, open to non-Airtel customers, useful for utility bill payment (rare category for rewards)

Cons

  • MAJOR DEVALUATION 12 April 2026: 25%/10% cashback caps now dynamically tied to 1% base-category spend (must spend Rs 12,500 on base category to unlock full Rs 250 Airtel cashback — previously a flat cap), Swiggy/Zomato/BigBasket 10% cashback REMOVED and replaced with Zomato/Blinkit/District Movies value-back paid to partner wallet not card statement, all lounge access discontinued

What's inside

More benefits

  • Amazon welcome voucher

    ₹250

    Amazon e-voucher on first transaction within 30 days

    one-time. First transaction within 30 days

  • EazyDiner Dining Delights

    ₹500

    15% off (up to Rs 500) at 4,000+ partner restaurants

    Cap ₹6,000 / monthly. Min order Rs 2,500

Insurance cover

text
₹NaN

Eligibility

text
Age 18-70, min income ~Rs 15,000/month salaried, credit score 700+; Indian resident; open to non-Airtel users too

Small print

Fuel surcharge:1% fuel surcharge waiver, transactions Rs 400-4,000, capped Rs 500/statement cycle