Airtel Axis Bank Credit Card
Axis Bank · Mastercard · Entry card
Can produce strong value on eligible household utility bills and food orders when the monthly cashback caps are sufficient for your spending.
Households with Airtel services, utility bills and regular Zomato or Blinkit orders.
Terms checked 14 Sept 2026
- Annual fee
- ₹500 + GST
- Joining fee
- ₹500 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Named merchant rates apply only to eligible purchases with that merchant. The category table uses conservative rates for other spending.
Named merchant rates
- Blinkit
- 10%
- Zomato
- 10%
| Category | Recorded rate |
|---|---|
| Bills & utilities | 1% |
| Dining & delivery | 1% |
| Groceries & essentials | 1% |
| Online shopping | 1% |
| Travel & hotels | 1% |
| Subscriptions & streaming | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Offline store shopping | 1% |
| International spending | 1% |
| Healthcare & pharmacy | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
| Education & family | 0% |
Caps and fee waiver
- Reward caps
- Zomato value back: ₹200/month · Blinkit value back: ₹200/month · District value back: ₹200/month
- Annual fee waiver
- At ₹2,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 8 items
Airtel telecom cashback
Usage-based value25% cashback requires an eligible Airtel mobile, broadband or DTH payment through Airtel Thanks.
Conditions: 25% cashback requires an eligible Airtel mobile, broadband or DTH payment through Airtel Thanks.
Airtel Thanks utility cashback
Usage-based value10% cashback requires an eligible electricity, water or piped-gas payment through Airtel Thanks.
Conditions: 10% cashback requires an eligible electricity, water or piped-gas payment through Airtel Thanks.
Zomato value back
Usage-based value10% value back requires an eligible Zomato online order of at least ₹499 and is credited under the partner terms.
Conditions: 10% value back requires an eligible Zomato online order of at least ₹499 and is credited under the partner terms.
Blinkit value back
Usage-based value10% value back requires an eligible Blinkit online order of at least ₹499 and is credited under the partner terms.
Conditions: 10% value back requires an eligible Blinkit online order of at least ₹499 and is credited under the partner terms.
District value back
Usage-based value10% value back requires an eligible District online transaction and is credited under the partner terms.
Conditions: 10% value back requires an eligible District online transaction and is credited under the partner terms.
Other eligible cashback
Usage-based value1% cashback applies to other eligible spends outside the excluded MCCs.
25% cashback on Airtel mobile, broadband & DTH recharges via Airtel Thanks app
Shown without a cash value10% cashback on utility bill payments (electricity, water, piped gas) via Airtel Thanks
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹500₹500 annual fee before applicable tax.
Joining fee
Cost ₹500₹500 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹500Annual fee may be waived after ₹2,00,000 of eligible annual spending.
Conditions: Reach ₹2,00,000 eligible annual spending
Welcome benefits · 1 item
₹250 Amazon e-voucher
Recorded value ₹250Amazon e-voucher after the qualifying first card transaction for eligible priced-card issuance.
Conditions: Complete the qualifying first transaction within 30 days · Available only for eligible priced-card issuance
Movies and entertainment · 1 item
10% value back on Zomato, Blinkit and District Movies, capped at ₹200 per partner per month
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. Axis publishes resident age eligibility of 18 to 70 but no universal numeric income threshold for this product.
Other categories (11)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Card tiers
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Airport lounge access
Not offeredThe reviewed catalogue records no airport lounge allowance.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Travel privileges
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Dining
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Golf
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Insurance and protection
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Fuel benefits
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Memberships
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Concierge
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Other benefits
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗
What stands out
- ✓ 25% cashback on Airtel mobile, broadband & DTH recharges via Airtel Thanks app
- ✓ 10% cashback on utility bill payments (electricity, water, piped gas) via Airtel Thanks
- ✓ 10% value back on Zomato, Blinkit and District Movies, capped at ₹200 per partner per month
- ✓ Welcome Amazon e-voucher on qualifying first transaction
What to watch
Zomato and Blinkit require a ₹499 minimum order for the 10% value back. Airtel and utility cashback caps depend on base cashback earned in the same statement month. No airport lounge access.
Recorded exclusions
Rent · Wallet load · Fuel Commute · Insurance · Education Family · Government payments · Gold Jewellery · Jewellery · Gift cards · Tolls · Emi transactions · Cash advance
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 14 Sept 2026 · Latest recorded change effective 12 Apr 2026