Airtel Axis Bank Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: Axis Bank
Network: Visa | Tier: Mid-Range
The Airtel Axis Bank Credit Card is a Mid-Range Visa credit card issued by Axis Bank, best suited for airtel users and household utility payers. It carries a joining fee of ₹500, with an interest rate of 3.6% per month. Key benefits include 25% cashback on Airtel spends, 10% on utilities, 10% value-back on Zomato/Blinkit/District Movies, 25% cashback on Airtel Thanks payments, 10% on utility payments via Airtel Thanks, 10% value-back on Zomato, Blinkit, and District Movies (capped at ₹200/month per partner, min spend ₹499), and None (lounge access discontinued effective April 2026). New cardholders get a welcome benefit of ₹250 Amazon voucher on first card transaction within 30 days. On fees — Lounge access: None (lounge access discontinued effective April 2026); Foreign transaction markup: 3.5%; Fuel surcharge: 1% fuel surcharge waiver on transactions from ₹400 to ₹4,000. Applicants typically need ₹3,00,000/year to qualify. It falls under the Co-branded, Travel, Shopping, Fuel, and Rewards category on CreditCardHunt.
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Why Choose the Airtel Axis Bank Credit Card?
The Airtel Axis Bank Credit Card is a Mid-Range-tier Visa credit card issued by Axis Bank, rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for Airtel users and household utility payers. With a reward rate of 25% cashback on Airtel Thanks payments, 10% on utility payments via Airtel Thanks, 10% value-back on Zomato, Blinkit, and District Movies (capped at ₹200/month per partner, min spend ₹499) and an annual fee of ₹500, it ranks among the popular Co-branded cards in India in 2026.
New cardholders are welcomed with ₹250 Amazon voucher on first card transaction within 30 days, which adds immediate value in the first year.
Airtel Axis Bank Credit Card Fees & Charges
| Annual Fee | ₹500 |
|---|---|
| Joining Fee | ₹500 |
| Interest Rate | 3.6% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions from ₹400 to ₹4,000 |
Airtel Axis Bank Credit Card Rewards & Benefits
| Reward Rate | 25% cashback on Airtel Thanks payments, 10% on utility payments via Airtel Thanks, 10% value-back on Zomato, Blinkit, and District Movies (capped at ₹200/month per partner, min spend ₹499) |
|---|---|
| Welcome Bonus | ₹250 Amazon voucher on first card transaction within 30 days |
| Lounge Access | None (lounge access discontinued effective April 2026) |
| Best For | Airtel users and household utility payers |
Key Highlights of the Airtel Axis Bank Credit Card
- 25% cashback on Airtel spends, 10% on utilities, 10% value-back on Zomato/Blinkit/District Movies
- 25% cashback on Airtel Thanks payments, 10% on utility payments via Airtel Thanks, 10% value-back on Zomato, Blinkit, and District Movies (capped at ₹200/month per partner, min spend ₹499)
- None (lounge access discontinued effective April 2026)
Airtel Axis Bank Credit Card Eligibility Criteria
- Age: 21-70 years years
- CIBIL score: 750+
- Minimum income: ₹3,00,000/year
Minimum Income Required: ₹3,00,000/year
Advantages of the Airtel Axis Bank Credit Card
- Industry-leading 25% cashback on telecom bills.
- 10% cashback on utility payments and food, grocery delivery.
Drawbacks of the Airtel Axis Bank Credit Card
- Lounge access discontinued, cashback limits are now capped by base 1% spend earnings.
Airtel Axis Bank Credit Card — Frequently Asked Questions
What is the annual fee of the Airtel Axis Bank Credit Card?
The Airtel Axis Bank Credit Card has an annual fee of ₹500 and a joining fee of ₹500. New cardholders receive ₹250 Amazon voucher on first card transaction within 30 days as a welcome benefit, which helps offset the joining cost.
Does the Airtel Axis Bank Credit Card offer airport lounge access?
Yes — the Airtel Axis Bank Credit Card offers None (lounge access discontinued effective April 2026).
Who is eligible for the Airtel Axis Bank Credit Card?
The minimum income requirement is ₹3,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Airtel Axis Bank Credit Card?
The Airtel Axis Bank Credit Card earns 25% cashback on Airtel Thanks payments, 10% on utility payments via Airtel Thanks, 10% value-back on Zomato, Blinkit, and District Movies (capped at ₹200/month per partner, min spend ₹499). It is best suited for Airtel users and household utility payers.
Credit Cards Similar to the Airtel Axis Bank Credit Card
If you are considering the Airtel Axis Bank Credit Card, these co-branded credit cards are worth comparing before you apply:
- AU ixigo Credit Card by AU Small Finance Bank — rated 4.7/5, NIL annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
- Marriott Bonvoy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹3,000 annual fee
- Swiggy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.5/5