Airtel Axis Bank Credit Card

Axis Bank

The obvious pick for an Airtel household — the 25% own-brand rate is very hard to beat elsewhere.

cashback onlineBill-pay rewardsCashback focused

₹500

Joining fee

₹500, waived at ₹2L spend

Annual fee

Waived if annual spend exceeds Rs 2,00,000 (official); 1% fuel surcharge waiver also offered.

3.5%

Forex markup

4.0 / 5

Rating

Eligibility

Estimated minimum income: ₹15,000+/month

Estimated — not officially confirmed by the bank.

Estimated minimum CIBIL score: 650+

Estimated — not officially confirmed by the bank.

Age: 18–70

Salaried or self-employed, Indian citizen/resident (official); income and CIBIL thresholds not officially disclosed.

Key features

Reward details

1% cashback (uncapped per aggregator) on all other eligible spend

up to 25% cashback on Airtel services (mobile/broadband/Wi-Fi/DTH via Airtel Thanks App) — 2x the base cashback earned (aggregator)
10% cashback on Utility bills (electricity/gas/water via Airtel Thanks App) — the base cashback earned (aggregator)
10% value-back on Dining/groceries (Zomato, Blinkit, District Movies, min. Rs 499 transaction) — Rs 200 per partner (aggregator)

Redemption

Cashback appears to post as statement/bill credit; no separate points-redemption catalogue found.

Complimentary lounge access was removed effective 12 April 2026 as part of a broader devaluation — benefit-specific discontinuation, not a whole-card one.

Real-world feedback

Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.

Praise

Best in the market for utility bill payments, strong cashback rates, excellent customer service, convenient EMI options (pre-devaluation) — CardInsider

Complaints

April 2026 devaluation called 'the worst devaluation' by users; new cashback structure described as confusing; lounge removal cited as a major loss — CardInsider

Sources