- Fees And Charges Of Airtel Axis Bank Credit Card
- Features And Benefits Of Airtel Axis Bank Credit Card
- Airtel Axis Bank Credit Card Eligibility Criteria And Documentation
- Value Chart Of Airtel Axis Bank Credit Card
- Airtel Axis Bank Credit Card Limit
- Payment Options For Airtel Axis Bank Credit Card
- Airtel Axis Bank Credit Card Apply Process
- Should You Get This Credit Card?
- Value back Comparison: Airtel Axis Vs. Axis Ace Vs. Cashback SBI Credit Card
- Alternate Credit Cards You Can Apply For
- Other Similar Credit Cards
- Axis Bank Ace Credit Card Vs. Airtel Axis Bank Credit Card
- Limitations Of Airtel Axis Bank Credit Card
- Conclusion
- FAQs
- Read More
The Airtel Axis Bank Credit Card may be the best option for you if you currently use Airtel. Not only on purchases made through the Airtel Thanks App, but also on other purchases, you can benefit from rewards in the form of rebates, discounts, and vouchers. Furthermore, you can save money on renowned companies like BigBasket, Zomato, and Swiggy. Let’s examine the characteristics and advantages of the Airtel Axis Bank Credit Card in more detail and talk about why it can be the finest credit card for you.
Axis Bank recently released a co-branded credit card called the Airtel Axis Bank Credit Card in collaboration with Bharti Airtel, a well-known telecom services provider.
It comes with a reasonable annual charge of just Rs. 500 and welcomes its clients with a special Amazon gift card. It is aimed for people who use the majority of Airtel services.
It’s a credit card with cash back that gives up to 25% cash back on Airtel Mobile, DTH, and broadband payments for bills made using the Airtel Thanks app, 10% back on utility bill sales made via the Airtel Thanks app, and a ten percent rebate on transactions made at associate merchants. Since the earned reward will be credited to your account, redemption also becomes hassle-free.
Fees And Charges Of Airtel Axis Bank Credit Card
| Description | Charges |
|---|---|
| Joining Fee – Primary Card | Rs.500/- |
| Joining fee – Add-on Card | Waived |
| Annual fee – Primary Card | Monthly Cost: 500 2nd year and beyond On annual expenditures of more than Rs. 2,00,000, the annual charge is waived. Wallet load transactions (MCC 6540) and rental transactions (MCC 6513) will not be accepted as spending to qualify for the annual fee waiver. |
| Annual fee – Add-on Card | Waived |
| Card replacement fee – Primary Card | Nil |
| Card replacement fee – Add-on Card | Rs.100/- |
| Cash Payment fee | Rs.100/- |
| Duplicate Statement Fee | Waived |
| Charge slip retrieval fee or Copy request fee | Waived |
| Mini statement SMS | Waived |
| Outstation cheque fee | Waived |
| Transaction Alert SMS | Free |
| Balance enquiry charges | Waived |
| Finance Charges (Retail purchases and Cash) | 3.6% per month (52.86% per annum) |
| Late payment fees | Nil if Total Payment Due is less than Rs. 500 Rs. 500 if total payment due is between Rs. 501 – Rs. 5,000 Rs. 750 if total payment due is between Rs. 5,001 – Rs. 10,000 Rs. 1200 if total payment due is greater than Rs.10,000 |
| Cash Withdrawal Fee | Min. Rs. 500 up to 2.5% of the cash withdrawal amount |
| Over limit Fees | Min. Rs. 500 up to 2.5% of the over limit amount |
| Surcharge on purchase or cancellation of Railway Tickets | As prescribed by IRCTC/Indian Railways |
| Cheque return or dishonor fee or auto-debit reversal | 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,504 |
| Foreign currency transaction fee | 3.50% of the transaction value |
| GST | As per existing Government norms |
| Reward Redemption fee | No |
| Rent Transaction fee | On each rental purchase made using an Axis Bank credit card, 1% of the total transaction amount, up to INR 1,500, will be charged. GST will be applicable as announced by the Indian government. |
| Dynamic Currency Conversion markup | Any international transaction made in Indian currency at a foreign location or one made with a merchant based in India but registered abroad would be subject to a 1% transaction fee plus taxes. The BURGUNDY PRIVATE Credit Card has no balance; |
Features And Benefits Of Airtel Axis Bank Credit Card
The Airtel Axis Bank Credit Card comes with a number of fantastic perks, such as a free gift card as an opening gift, up to 25% payback on Airtel and utilities bill payments made through the Airtel Thanks app, free access to airport lounges, etc. Refer to the subsequent details to fully grasp all of this card’s qualities and advantages:
Welcome Benefits
- When you make your first purchase within the first 30 days of receiving your card, you will receive a welcome gift of an Amazon gift card worth Rs. 500.
- The cardholder won’t be qualified for this welcome benefit until the joining fee has been successfully paid.
Cashback Benefits
| Category | Cashback | Capping |
| Airtel Mobile, DTH, and Broadband Payments on Airtel Thanks app | 25% | Up to Rs. 300 per month |
| Utility Bill Payments on Airtel Thanks app | 10% | Up to Rs. 300 per month |
| Preferred Merchants*(Swiggy/Zomato/BigBasket) | 10% | Up to Rs. 500 per month |
| Other Spends | 1% | None |
25% cashback on Airtel recharge or bills is a great way to attract a lot of customers. Additionally, 10% cashback on utility bills is also a good deal. 1% cashback is pretty decent and can be used for all sorts of spending. Hence, the total spend amount will be Rs. 1,180.
*This is to inform you that the current preferred merchants i.e.Swiggy, Zomato, and BigBasket may change at any time without any intimation from the bank.
Dining Benefits
You get a discount of up to 20% at over 4000+ participating restaurants across the country under the Axis Bank’s Dining Delights Program.
Travel Benefits
With the Airtel Axis Bank Credit Card, you receive four complimentary domestic lounge visits each year.
Fuel Surcharge Waiver
- On all fuel purchases between Rs. 400 and Rs. 4,000, you are exempt from the 1% fuel surcharge.
- The monthly waiver is limited to Rs. 500.
Spend- Based Waiver
If you spent Rs. 2 lakh or more in the anniversary year prior, the annual cost of Rs. 500 is eliminated (from the second year on).
Amazon e-voucher worth Rs.500
If your first transaction is completed within 30 days of the card’s issuance, you can receive an Amazon e-voucher worth Rs. 500 as a welcome or activation reward. Within 30 days of fulfilling your condition, you will receive the coupon on your registered mobile number. As you can see, the Rs. 500 registration cost is quite well made up for by cash in the form of an Amazon gift card.
Convert Purchases Into EMI
Convert your transactions of Rs. 2,500 or more into easy EMI facility.
Airtel Axis Bank Credit Card Eligibility Criteria And Documentation
Make sure that you meet the following eligibility requirements in order to be authorized for the Airtel Axis Bank Credit Card if you’re interested in getting one. However, the bank might also have some internal standards.
- The applicant must be at least 18 years old.
- The maximum age of the applicant must not be more than 70 years.
- To apply for an Axis Airtel credit card, you must be an Indian citizen.
- You must have a stable income.
- To be eligible to apply for the Axis Bank Credit Card, you must have a Cibil score of at least 750.
When you apply for a credit card, you must submit these documents:
- The application form for the Airtel Axis Bank Credit Card
- Address proof documents
- Passport
- Driving licence
- Voter ID Card
- Aadhaar card
- Identity proof documents
- Passport
- Driving licence
- Voter ID Card
- Aadhaar card
- PAN card
- One colour photograph of yourself
- Documents of proof of income
- Latest pay slip
- Form 16
- Copy of your IT return copy
Value Chart Of Airtel Axis Bank Credit Card
| Category | Benefit | Annual Spends | Benefits |
|---|---|---|---|
| Activation Benefit | 500 | – | 500 |
| Airtel Billpay & recharge | 25% | Rs.14,400 | Rs.3,600 |
| Non telecom spends via Airtel Thanks app | 10% | Rs.36,000 | Rs.3,600 |
| Purchase from Swiggy | 10% | Rs.15,000 | Rs.1,500 |
| Purchase from bigbasket | 10% | Rs.15,000 | Rs.1,500 |
| Purchase from Ola | 10% | Rs.15,000 | Rs.1,500 |
| Purchase from Zomato | 10% | Rs.15,000 | Rs.1,500 |
| Fuel surcharge waiver | 1% | Rs.20,000 | Rs.200 |
| Other Spends | 1% | Rs.69,600 | Rs.696 |
| Airport lounge access | Rs.4,000 | ||
| Total Annual Benefits | Rs.18,596 (9.3%) |
Airtel Axis Bank Credit Card Limit
The Airtel Credit Card’s credit limit is variable and is based on your income and Cibil score. You will receive a high credit limit on this credit card if you make a significant salary and have a Cibil Score of 750 or higher. Therefore, the bank determines your credit limit based on your income and credit score.
Payment Options For Airtel Axis Bank Credit Card
There are numerous ways to pay your bills, including online payments with an Axis Bank credit card. The following methods can be used to pay down the balance on your Airtel Credit Card:-
- Axis Net Banking
- Axis Mobile App
- NACH Facility
- NEFT
- RTGS
- Cash Payments
- Cheque Payments
- Billdesk
- Gpay, PayTm, Amazon Pay
Airtel Axis Bank Credit Card Apply Process
Following the steps listed below will enable you to obtain this credit card from Axis Bank:-
- Download the Airtel Thanks app to your smartphone if you use Airtel.
- Open the app, then enter your cellphone number to log in to your account.
- You are going to get an OTP, enter it, and view the status of your account.
- You should click on the “Airtel Axis Bank Credit Card” credit card emblem or banner that is displayed on the page.
- The Airtel Credit Card offer is now visible; select it by clicking the “Apply Now” button.
- Fill in your name, mobile and other details.
- Upload your Aadhaar or PAN card as your “KYC” evidence.
- Apply and wait for the response.
Airtel will send an SMS to your mobile regarding the credit card application.You can check the current condition of your credit card in the meantime using the Airtel Thanks app. You may view the progress of your card application by opening the app and going to the credit card area. If the same has been approved, the status will show the same online and soon you will hear from the bank.
Should You Get This Credit Card?
Because it provides the highest return on purchases made through the Airtel Thanks App, this credit card is ideal for people who are currently a part of the Airtel ecosystem or who plan to do so. The card also rewards customers who pay their utility bills on time. Due to the fact that most credit cards exclude utility bills from their list of permissible charges, this card is a fantastic option for individuals looking to cut back on their utility costs.
However, there is a monthly cap on cashback on the Airtel Axis Bank credit card, so you can only maximize benefits on a specific amount of monthly expenditure, as shown below:
- Airtel Bills- 1,200 per month
- Utility Bill Payment– Rs. 3,000 per month
- Preferred Merchants– Rs. 5,000 per month
The aforementioned computation is based on the maximum capping and the cashback rate. For instance, you can receive 25% cashback on Airtel bills, but only up to Rs. 300 each month. This indicates that only transactions worth Rs. 1,200 qualify for this incentive.
Value back Comparison: Airtel Axis Vs. Axis Ace Vs. Cashback SBI Credit Card
Compare the Airtel Axis Bank Credit Card with monthly capping to the Axis Ace Credit Card with no monthly limitation in order to better comprehend this. We have also included the Cashback SBI Card, which offers a high overall cashback rate but no advantages for paying utility bills, in order to provide a clear comparative view.
| Transaction Type | Transaction Value (in Rs.) | Airtel Axis Bank Credit Card (in Rs.) | Axis Ace Credit Card (in Rs.) | Cashback SBI Card (in Rs.) |
| Electricity Bill | 6,000 | 300 | 300 | 0 |
| Mobile Bill | 3,000 | 200 | 150 | 0 |
| DTH Bill | 1,000 | 100 | 50 | 0 |
| Water Bill | 1,000 | 0 | 50 | 0 |
| Zomato | 2,000 | 200 | 80 | 100 |
| Bigbasket | 5,000 | 300 | 100 | 250 |
| Ola | 2,000 | 20 | 80 | 100 |
| Apparel Purchase | 5,000 | 50 | 100 | 250 |
| Fuel | 5,000 | 0 | 0 | 0 |
| Total | 30,000 | 1,170 | 910 | 700 |
A cap of Rs. 300 per month is excessively low for purchases like mobile bills and utilities bills because these are often big value transactions.
If you use the Airtel Axis Bank Credit Card only for purchases made through the Airtel Thanks app and place the rest of your spending on a card that offers a larger value back across all categories without any caps, you may get the most out of the card.
Alternate Credit Cards You Can Apply For
You could also apply for other credit cards that pay cashback on a variety of purchases.
Credit Card | Annual Fee | Key Feature |
| Axis Bank Ace Credit Card | Rs. 499 | 5% reward on Google Pay recharges and bill payments |
| Flipkart Axis Bank Credit Card | Rs. 500 | 5% cashback on Flipkart and Myntra |
| HSBC Cashback Credit Card | Rs. 750 | 5% cashback on all online spends(T&C applied) |
| HDFC Millennia Credit Card | Rs. 1,000 | 1% reward on offline purchases and wallet reloads; 5% cashback on Amazon and Flipkart |
| Standard Chartered Manhattan Platinum Credit Card | Rs. 999 | When purchasing at supermarkets, you get 5% cashback. |
| Kotak Delight Platinum Credit Card | Rs. 299 | 10% cashback on movie and dining purchases (T&Cs apply) |
Other Similar Credit Cards
| Credit Card | Annual Fee | Best Feature |
| Amazon Pay ICICI Credit Card | Nil | Up to 5% cashback on Amazon Spends |
| Cashback SBI Card | Rs. 999 | 5% cashback on all online transactions |
| Axis Bank Ace Credit Card | Rs. 499 | 4% cashback on Swiggy, Ola, and Zomato; 5% cashback on bill payment, DTH, and mobile recharge |
| Paytm SBI Credit Card | Rs. 499 | Up to 3% cashback on Paytm mall, movies and travel |
Axis Bank Ace Credit Card Vs. Airtel Axis Bank Credit Card
| Features/Charges | Axis Bank Ace credit card | Airtel Axis Bank credit card |
|---|---|---|
| Joining Fees | Rs. 499 Paying Rs. 10,000 in 45 days of receiving your card will reverse the joining fee. | Rs. 500 + Taxes* |
| Annual Fees | 2nd year onward: Rs. 499 | Rs. 500 + Taxes* |
| Welcome Benefits | N/A | Get a Rs. 500 Amazon gift card after paying the membership costs. |
| Cashback / Rewards point | 5% cashback on Google Pay-initiated bill payments, DTH recharges, and mobile recharges, 4% cashback on Swiggy, Ola, and Zomato purchases, and 2% cashback on all other purchases. | By using this card, you can receive 10% cashback on utility bill payments made through the Airtel Thanks app, 25% cashback on bill payments, DTH recharges, and mobile recharges, 10% cashback on partner brands, and 1% cashback on all other purchases. |
| Dining benefits | Use this card to receive a 20% discount at participating restaurants under the ‘Dining Delights’ programme of Axis Bank. | Use this card to receive a 20% discount at participating restaurants through Axis Bank’s “Dining Delights” programme. |
| Travel benefits | Utilise this card to benefit from up to 4 free entries to domestic airport lounges. | Utilise this card to benefit from up to 4 free entries to domestic airport lounges. |
| Annual fees waiver | On annual expenditures of more than Rs. 20,000, the annual fee is waived. | On annual expenditures of Rs. 20,000 or more, the annual fee is waived. |
| Fuel surcharge waiver | At all fuel pumps in India, use this card to receive a 1% fuel surcharge waiver. | With this card, you can avoid paying the 1% fuel surcharge at all Indian gas stations for transactions between Rs. 400 and Rs. 4,000. |
Limitations Of Airtel Axis Bank Credit Card
Undoubtedly, Airtel Axis Bank Credit Card offers decent benefits to its users. You can save on multiple categories, However, there are a few things that you should keep in mind before applying for this credit card:
- The card does not provide any cashback on fuel spends, jewelery purchases, rental payments, EMI transactions, Cash advances, Payment of outstanding balances, Payment of card fees, and other card charges.
- Activation benefits can only be availed if you make the first transaction within 30 days of card issuance.
- No milestone benefits can be availed through this card.
- No annual fee waiver.
Conclusion
For those who are devoted to Airtel and utilise the most of its services, the Airtel Axis Bank Credit Card is a fantastic option. The card’s reward rate, which can reach 25%, is very wonderful because it allows you to make significant savings on your purchases. In addition to this, you have the option to upgrade your travel experiences with complimentary admission to airport lounges for a very low annual cost.
Similar to the Flipkart Axis Bank Credit Card, one of the most popular credit cards on the Indian market right now, the card appears to be among Axis Bank’s most lucrative co-branded cards. If you utilize any or all of these Airtel services, you should strongly consider applying for the Airtel Axis bank Credit Card to maximize your savings on every purchase.
FAQs
How can I redeem the cashback I earn using the Airtel Axis Bank Credit Card?
The cashback you earn using this card is automatically credited to your account and you can use it anywhere you want.
Is the Airtel Axis Bank Credit Card lifetime free?
No, the Airtel Axis Bank Credit Card is not lifetime free. It comes with an annual fee of Rs. 500. You can get a renewal fee waiver on spending Rs. 2 Lakhs or more in the previous year.
Will the GST on fuel surcharge be refunded?
No, the GST that is charged on your fuel surcharge is not refundable.
How do I reach the Axis Bank credit card customer care desk?
You can contact Axis Bank credit card customer care desk by calling 1860 419 5555.
Is there any minimum expenditure criteria to get the cashback?
No, there is no minimum amount you have to spend to get the cashback. There is a monthly cap on the cashback you can get for each spend.
When will I receive the physical card?
You will get the credit card within 7 to 10 days of the application being approved.
Why can’t I see the Airtel Axis Bank Credit Card Offer on Airtel Thanks App?
If you don’t see the credit card offer on the app, it means you are not an eligible applicant for this. All approvals are subject to Axis Bank’s review which is done internally.
From When the Annual Fee Applies?
Your credit card annual fee shall apply from the second year onwards. And the same will be waived in case the annual spending is INR 2 Lakh and more.
How to redeem the welcome voucher earned via Airtel Credit Card?
To redeem the Amazon gift voucher worth Rs. 500, earned as a welcome benefit on this credit card, you need to follow these steps. (i) Go to www.amazon.in/addgiftcard (ii) Enter the gift card or voucher code in the required field (iii) Click on ‘Add to your balance’
Note that, you can redeem the welcome benefit only when you have an amazon account. In case you do not have one, you need to first create a new Amazon account and then proceed with redemption.
How do I receive the cashback earned via Axis Bank Airtel Credit Card?
The cashback amount earned via transaction made with this card will be auto-credited to your monthly statement. It will be reflected in the next month’s credit card statement as ‘cashback credited’ and adjusted against the next month’s bill. It will be credited to your next billing cycle within three days before the next statement generation.
Can I apply for this card through the Airtel showroom or Axis Bank?
You can walk into an Axis Bank branch that is near you and apply for a card.
Is there any minimum expenditure criteria to get the cashback?
here is NO minimum expenditure criteria to receive cashback. There is a monthly cap on maximum cashback you can receive per spend category.
Are the virtual and physical card different?
No, your virtual and physical card will have the same card number, CVV and PIN. You may use your virtual card for online transactions and physical card for offline/ in-store transactions.
How will I get the PIN (Personal Identification Number) on the card?
- After you complete your credit card application and your card is approved, PIN for card usage will be couriered to your registered address. You can also set/ reset PIN yourself with the following steps.
- Axis Mobile App : Log in # > Services & Support > Credit Cards > Set/Reset PIN
- Internet Banking : Log in# > Accounts > My Credit Cards > More Services > Set your Credit Card PIN
- Axis Bank ATM : Select ‘Set PIN’ and follow the instructions
- Phone Banking : Call 1860 419 5555 or 1860 500 5555 from your registered mobile number and follow the instructions
- As per RBI guidelines, your card is not enabled for online, contactless and international transactions. To enable usage and set limits, use the following instructions :
- Axis Mobile App : Log in # > Services & Support > Credit Cards > Manage Usage > Select Card
- Internet Banking : Log in# > Services > Credit Card Services > Select Card > More Services > Manage Usage
- Phone Banking : Call 1860 419 5555 or 1860 500 5555 from your registered mobile number and follow the instructions
Please use the 6-digit activation code mentioned above to activate, if prompted.
Can I transfer the ownership of my Airtel Axis Bank Credit Card?
No, the ownership of the card cannot be transferred.
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