Home / Axis Bank

Mastercard

Axis Bank Airtel Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026

Axis Bank Mastercard Entry

Join / Annual

₹0/₹500

Base Rate

1.0%

Reward Type

Cashback

Apply Now

Overview

The Axis Bank Airtel Credit Card is a Entry credit card issued by Axis Bank on the Mastercard network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Cashback.

Annual Fee: ₹500
Eligibility: Applicant must be an Indian resident aged 18-70 with a stable source of income.

Reward Rates & Cashback Rules

MERCHANT – Airtel: 25.0% cashback | via Airtel Thanks App ⚠️ Applies to Mobile, Broadband, WiFi, and DTH bills. Cashback is capped at 2x the base 1% cashback earned in the same statement month.
CATEGORY – Utilities: 10.0% cashback | via Airtel Thanks App ⚠️ Applies to electricity, water, and gas bills. Cashback is capped at the total base 1% cashback earned in the same statement month.
MERCHANT – Zomato: 10.0% cashback | monthly cap ₹200.0 ⚠️ Value-back is credited to the Zomato wallet, not as a statement credit.
MERCHANT – Blinkit: 10.0% cashback | monthly cap ₹200.0 ⚠️ Value-back is credited to the Blinkit wallet, not as a statement credit.
MERCHANT – District Movies: 10.0% cashback | monthly cap ₹200.0 ⚠️ Value-back is credited to the partner's wallet, not as a statement credit.
CATEGORY – Fuel: 0.0% cashback
CATEGORY – EMI: 0.0% cashback
CATEGORY – Wallet Load: 0.0% cashback
CATEGORY – Rent: 0.0% cashback
CATEGORY – Jewelry: 0.0% cashback
CATEGORY – Government Services: 0.0% cashback
CATEGORY – Insurance: 0.0% cashback
CATEGORY – Education: 0.0% cashback

Key Features & Benefits

Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, with a maximum waiver of ₹500 per statement cycle.
Dining Discount 🍽️: Up to 20% discount at over 4,000 partner restaurants.
Lounge Access (Discontinued) ✈️: Complimentary domestic lounge access was discontinued effective April 12, 2026.

Eligibility Criteria

Applicant must be an Indian resident aged 18-70 with a stable source of income.

Features & Benefits

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, with a maximum waiver of ₹500 per statement cycle.

🍽️

Dining Discount

Up to 20% discount at over 4,000 partner restaurants.

✈️

Lounge Access (Discontinued)

Complimentary domestic lounge access was discontinued effective April 12, 2026.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

25%

Airtel Via Airtel Thanks App

Reward: 25.0%

⚠️ Exceptions: Applies to Mobile, Broadband, WiFi, and DTH bills. Cashback is capped at 2x the base 1% cashback earned in the same statement month.

25%

10%

Utilities Via Airtel Thanks App

Reward: 10.0%

⚠️ Exceptions: Applies to electricity, water, and gas bills. Cashback is capped at the total base 1% cashback earned in the same statement month.

10%

Zomato

Reward: 10.0% Monthly Cap: ₹200.0 Min Spend: ₹499.0

⚠️ Exceptions: Value-back is credited to the Zomato wallet, not as a statement credit.

10%

Blinkit

Reward: 10.0% Monthly Cap: ₹200.0 Min Spend: ₹499.0

⚠️ Exceptions: Value-back is credited to the Blinkit wallet, not as a statement credit.

10%

District Movies

Reward: 10.0% Monthly Cap: ₹200.0

⚠️ Exceptions: Value-back is credited to the partner's wallet, not as a statement credit.

10%

🚫

Fuel Exclusion

🚫

EMI Exclusion

🚫

Wallet Load Exclusion

🚫

Rent Exclusion

🚫

Jewelry Exclusion

🚫

Government Services Exclusion

🚫

Insurance Exclusion

🚫

Education Exclusion

Pros & Cons

✓

Pros

+ Airtel — 25.0% Cashback
+ Utilities — 10.0% Cashback
+ Zomato — 10.0% Cashback (cap ₹200.0)
+ Blinkit — 10.0% Cashback (cap ₹200.0)
+ District Movies — 10.0% Cashback (cap ₹200.0)
+ Fuel Surcharge Waiver
+ Dining Discount
+ Lounge Access (Discontinued)

✗

Cons

− No reward on Fuel
− No reward on EMI
− No reward on Wallet Load
− No reward on Rent
−Forex markup of 3.5% on international spends
−Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹500

Net Value

+₹2500

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

› First-time credit card users looking to build credit
› Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

› You spend heavily in foreign currency — 3.5% markup adds up fast
› You rarely use premium benefits like lounges or concierge
› You prefer a no-annual-fee card with simpler terms

Community Reviews

Write a review for Axis Bank Airtel Credit Card

No structured reviews yet. Be the first!

Frequently Asked

The annual fee of ₹500 is waived for the subsequent year if you spend over ₹2,00,000 in the preceding year.

You get 25% cashback on Airtel bills and 10% on utility bills (gas, electricity, water) paid via the Airtel Thanks app. However, the cashback is dynamically capped based on the 1% base cashback earned in the same month.

Yes, the 10% value-back is capped at ₹200 per partner per month and requires a minimum order of ₹499. The amount is credited to the partner's wallet, not as a statement credit.

No. The complimentary domestic airport lounge access benefit was discontinued effective April 12, 2026.