Airtel Axis Bank Credit Card
Airtel Axis Bank Credit Card is co-branded Credit card partnership with Axis Bank. This credit card comes with amazing cashback offer those who have Airtel surrounding. This card offer 25% cashback on bill payment of Airtel mobile, DTH, Broadband via Airtel thanks app and 10 % cashback on utility bill also 10% cashback on preferred partners like swiggy, zomato. Complimentary Lounge Access, Dining discount make competitive against other cashback credit card. With just Rs.500 Joining and Annual fee this become must have credit card.
JOINING FEE
Rs.500+GST
RENEWAL FEE
Rs.500+GST
BENEFITS
Complimentary 4 Domestic Airport Lounge in Year
REWARDS &CASHBACK
25% Cashback on Bill Payment for Airtel Mobile, Broadband, DTH via Airtel Thanks App & 10% Cashback on Utility Bill
Features & Benefits
Welcome Benefits
- You can get 500 Amazon gift voucher as welcome benefit while making first transaction within 30 days of card issuance.
Cashback
- You can get 25% Cashback on bill payment of Airtel mobile, Broadband, wifi, DTH via Airtel Thanks App. Maximum cashback under this category is capped Rs.250 per month.
- Get 10% Cashback on Utility Bill Payment on Airtel Thanks App.Maximum cashback under this category is capped Rs.250 per month.
- Get 10% Cashback on preferred partner including Zomato, Swiggy, Bigbasket. Maximum cashback under this category is capped Rs.500 per month.
- Get 1% Cashback on all other retail spends excluding Fuel, Education, Rent, wallet, Jewellery, Government payment, Insurance & Utility Bill outside Airtel Thanks app.
Airport Lounge
- Get 4 complimentary domestic airport lounge access in year on spending Rs.50000 in previous three months.
Fuel Surcharge Waiver
- Get 1% Fuel surcharge waiver on all fuel transaction between Rs.400 to Rs.4000. Maximum waiver is Rs.500 per month.
Spend Based Waiver
- The annual fee of Rs.500 is waived off if you have spent RS. 2 lakh in previous year.
Dining Benefits
- You can get upto 15% off at partner resturant.
Fees & Charges
Reward Redemption Fee
- There is no Reward redemption fee. All you earn in the form of cashback and can be adjusted in next month billing cycle which is good thing so no need to worry about where the cashback is getting credited.
Foreign Currency Markup
- The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.
Finance Charges & Cash withdrawal Fee
- Interest rate is 3.75% per month that is 55.55% per annum.
- Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.
- Final Thoughts
Airtel Axis bank credit card is very good credit card who is looking for daily use and have airtel ecosystem. If the single person have 499 airtel fibre plan and some Rs.500 mobile plan so total Rs.1000 can easily get Rs.250 cashback so total value will be Rs.750,so for middle class it is very good credit card. Also it gives 10% cashback on utility bill payment where now most of the credit card are not giving. some of the daily using app like zomato, swiggy & big basket here also can get 10% cashback. So overall its a great credit card for the middle class with airtel surrounding.
- Frequently Asked Questions
How much maximum cashback can be earned in Airtel Axis Bank credit card?
The cashback is having limit because you will get only Rs.250 cashback in mobile,DTH,wifi plus Rs.250 in utility bill & Rs.500 in zomato, swiggy,bigbasket etc. This Rs.1000 is fixed per statement cycle but you can earn more by other retail spends here you will get 1% cashback.
Do I get both complimentary Domestic & International lounge access?
You will get only domestic lounge access 4 in a year based on spend criteria that Rs.50000 in previous 3 month.
Does Airtel Axis Bank credit card have spend based annual fee waiver?
Yes the annual fee is waived off on spending Rs. 2lakh in previous year.