Bills cashback
Airtel Axis Bank Credit Card
Up to 25% back on Airtel bills and 10% on other utility bills paid in the Airtel Thanks app, plus 10% on Zomato and Blinkit.
Joining fee₹500 + GST
Annual fee₹500 + GST
Fee waiverOn ₹2 lakh spend a year
Top reward25% on Airtel bills
LoungeNone
Forex markup3.5%
Best for: Airtel families paying several Airtel bills who also use the card for regular spending.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Airtel mobile, broadband, WiFi and DTH (in Airtel Thanks app) | 25% cashback | Up to 2x your 1% base cashback that cycle |
| Other utility bills (in Airtel Thanks app) | 10% cashback | Up to 1x your base cashback that cycle |
| Zomato and District Movies | 10% value back to the partner wallet | ₹200 a month per partner |
| Blinkit (₹499 or more) | 10% cashback | ₹200 a month |
| Other spends | 1% cashback | No cap |
| Rent, wallet loads, fuel, government, insurance, education, gold, tolls | Nothing | – |
- Since April 2026, the bill cashback caps depend on your 1% base cashback, so you need other card spend to unlock the full 25% and 10%.
- Zomato and District value back goes to those apps’ wallets, not your bill.
Benefits
Welcome benefit
- Small welcome benefit (about ₹250) after first spends.
Milestones
- Annual fee waived on ₹2 lakh spend.
Travel and lounges
- No lounge access (removed on 12 Apr 2026).
Fuel and forex
- 1% fuel surcharge waiver on ₹400 to ₹4,000, up to ₹500 a cycle.
- Forex markup 3.5%.
Fees and charges
| Joining fee | ₹500 + GST (₹590) |
|---|---|
| Annual fee | ₹500 + GST, waived on ₹2 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 18 to 70
- Salaried, self-employed or student
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Highest cashback on Airtel bills
- 10% on utility bills via Airtel Thanks
- Low fee
Watch out for
- Bill cashback caps now tied to your other spending
- Lounge access removed
- Partner rewards land in app wallets
Recent changes
- 12 Apr 2026Flat ₹250 caps replaced with caps linked to base cashback; lounge removed; 10% partners changed to Zomato, Blinkit and District.
- 28 Aug 2026Currency conversion fee raised to 3.5% + GST; tolls stop earning.
Frequently asked questions
How much cashback do I get on Airtel bills?
25% when paid in the Airtel Thanks app, capped at twice the 1% base cashback you earn in that cycle.
Ready to apply for the Airtel Axis Bank Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.