Airtel Axis Bank Credit Card

creditMastercardPlatinum

25% cashback on Airtel bills; 10% on Swiggy, Zomato, BigBasket

Score breakdown

Data completeness: 95% · Last verified: 06 Jul 2026

Reward value48/100 · weight 65%

≈ 2.38% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.2% score bonus — earns broadly without narrow category restrictions.

Fee efficiency95/100 · weight 11%

Redemption flexibility92/100 · weight 8%

Perks19/100 · weight 8%

Devaluation risk70/100 · weight 8%

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
Forex markup: 3.5%

Lounge access

Domestic (per year): 4
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
utilities	cashback	25%	₹250 / monthly	25% on Airtel bill payments
groceries	cashback	10%	₹500 / monthly	10% on Swiggy, Zomato, BigBasket
online_spends	points	2.00%(8 pts @ ₹0.25)	—	2% online (estimated)
dining	points	2.00%(8 pts @ ₹0.25)	—	2% dining (estimated)
travel	points	2.00%(8 pts @ ₹0.25)	—	2% travel (estimated)
fuel	points	1.00%(4 pts @ ₹0.25)	—	1% fuel (estimated)
all_spends	points	0.50%(2 pts @ ₹0.25)	—	Base earn rate
all_spends	cashback	1%	—	1% elsewhere

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

₹250 Amazon e-Voucher on first transaction within 30 days