Credit Cards · Honest Review

Airtel Axis Bank Credit Card

Axis Bank · Visa

₹500Annual fee
1.00%Base rate
3.5%Forex markup
₹25KMin income/mo
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Your Verdict

Airtel Axis Bank Credit Card
Axis Bank · Visa
  • ✓25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App
  • ✓10% cashback on utility bill payments like gas and electricity via Airtel Thanks App
  • ✓10% value back on Zomato, Blinkit and District Movies
  • ✓1% base cashback on all other spends
  • ✓Low-cost card with fee easily waived on moderate annual spend
₹500/yrAnnual fee
₹500
Annual fee
1.00%
Base reward rate
None
Lounge access
700+
CIBIL score
Our verdict
The Airtel Axis Bank Credit Card is best for Airtel customers and everyday digital spenders, offering standout cashback on Airtel bill payments and popular apps like Zomato and Blinkit at a minimal, easily waived annual fee.
Fees & charges

What Airtel Axis Bank Credit Card costs you

Airtel Axis Bank Credit Card carries a ₹500 annual fee and a ₹500 one-time joining fee. The annual fee is waivable: Spend 2 lakh in the previous year to auto-waive annual fee from second year.

FeeAmount
Annual fee (year 2+)₹500
Joining fee (one-time)₹500
Fee waiver conditionSpend 2 lakh in the previous year to auto-waive annual fee from second year
Spend required for waiver₹2,00,000 / year
Foreign transaction fee (forex markup)3.5% per transaction
Rewards & cashback

What you earn on every rupee spent

Airtel Axis Bank Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping and other bonus categories listed below.

CategoryReward rate
All other spends (base rate)1.00%
🛒 Online Shopping10%
10%
Online Shopping
Welcome bonus

Amazon eVoucher worth 250 on first transaction within 30 days of card issuance

Reward types: Cashback · Discounts

Benefits & perks

Beyond the reward rate

The non-reward benefits on Airtel Axis Bank Credit Card are limited — the card's value proposition is primarily the reward rate structure.

🛫
No lounge access
This card does not include airport lounge access.
⛽
No fuel surcharge waiver
Standard 1% surcharge applies at fuel pumps.
Eligibility

Who can apply for Airtel Axis Bank Credit Card

Airtel Axis Bank Credit Card requires a minimum net monthly income of ₹25,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals.

₹25,000
Min monthly income
700+
CIBIL score
18–70
Age (years)
RequirementDetail
Minimum monthly income₹25,000
CIBIL score700+ (good to excellent)
Age range18–70 years
Employment typeSalaried, Self-employed
Typical approval time5-7 working days

Indian citizens; both salaried and self-employed individuals are eligible subject to Axis Bank policies.

Verdict

Who should (and shouldn't) get Airtel Axis Bank Credit Card

✅ Best for
  • → Heavy spenders on online shopping who want 10% back
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
  • → Frequent flyers who need airport lounge access
  • → International travelers — the 3.5% forex markup adds up quickly
Frequently asked questions

Airtel Axis Bank Credit Card — Questions answered

What is the annual fee for Airtel Axis Bank Credit Card?
The annual fee is ₹500 from year 2 onwards, with a one-time joining fee of ₹500. The fee is waivable: Spend 2 lakh in the previous year to auto-waive annual fee from second year.
What is the minimum income required for Airtel Axis Bank Credit Card?
Salaried applicants need a minimum net monthly income of ₹25,000 and a CIBIL score of at least 700. Self-employed applicants typically need equivalent annual income proof. Indian citizens; both salaried and self-employed individuals are eligible subject to Axis Bank policies.
What is the reward rate on Airtel Axis Bank Credit Card for online shopping?
Airtel Axis Bank Credit Card earns 10% on online shopping with no monthly cap. On all other spends, the base reward rate is 1.00%.
Does Airtel Axis Bank Credit Card provide airport lounge access?
Airtel Axis Bank Credit Card does not include airport lounge access as a standard benefit. If lounge access is a priority, consider upgrading to a premium variant or a dedicated travel card.
How do I get the annual fee waived on Airtel Axis Bank Credit Card?
The annual fee on Airtel Axis Bank Credit Card is automatically waived when you meet the spend threshold: Spend 2 lakh in the previous year to auto-waive annual fee from second year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
How long does it take to get Airtel Axis Bank Credit Card approved?
Most applications for Airtel Axis Bank Credit Card are processed within 5-7 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.