Axis Airtel Credit Card: A Perfect Choice for Airtel Users to Earn Cashback and Exclusive Rewards
The Axis Airtel Credit Card is designed for users who frequently use Airtel services, offering a combination of cashback, exclusive vouchers, and benefits specifically tailored to mobile, broadband, and DTH users. As an Airtel customer, this credit card can help you save on your bills and earn rewards with every transaction. Let’s explore how this card can benefit you!
Eligibility Criteria
The Axis Airtel Credit Card has minimal eligibility requirements, making it accessible to a wide range of customers. Here are the key criteria:
- Age: The primary applicant must be between the ages of 18 and 70 years.
- Residency: The applicant must be a resident of India.
- Income: No specific income requirement is needed, making this card ideal for individuals across varying income levels.
Key Features and Benefits
Welcome Benefits:
- Receive a ₹500 Amazon voucher on your first transaction within 30 days of card issuance.
Cashback Rewards:
- Airtel Services: Enjoy 25% cashback on Airtel mobile, broadband, Wi-Fi, and DTH bill payments via the Airtel Thanks app (capped at ₹250 per statement cycle).
- Utility Bill Payments: Get 10% cashback on electricity, gas, and water bill payments through the Airtel Thanks app (capped at ₹250 per statement cycle).
- Partner Merchants: Earn 10% cashback on Swiggy, Zomato, and BigBasket transactions (capped at ₹500 per statement cycle).
- Other Retail Purchases: Get 1% cashback on all other purchases without any cap.
Exclusions:
- No cashback on fuel, EMI transactions, wallet loading, jewelry purchases, rent, government services, insurance, and education payments.
Additional Benefits
- Airport Lounge Access: Enjoy 4 complimentary domestic lounge visits annually (spend ₹50,000 in the last 3 months to qualify).
- Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on transactions between ₹400-₹4,000 (capped at ₹500 per month).
- Dining Benefits: Get 15% off at 4,000+ restaurants across India with Axis Bank’s Dining Delights Program.
Fees and Charges
- Joining Fee: ₹500 + 18% GST
- Annual Fee: ₹500 from the second year onward (waived on annual spends of ₹2,00,000+).
- Interest Charges: 3.75% per month (55.55% annually)
- Foreign Currency Markup: 3.5% (4.13% after taxes)
SaveSage Insights
The Airtel Axis Credit Card offers an annual fee waiver after spending ₹2 lakh, even if you focus on just two categories. This approach can still be highly effective.
To maximize cashback, aim for ₹2,500 in utility spends per statement cycle (which adds up to ₹30,000 per year) and ₹1,000 on Airtel services per statement cycle (about ₹12,000 annually). This brings your total annual spend to ₹42,000 across these two categories.
With this strategy, the overall reward rate reaches an impressive 14.28%. Even accounting for the annual fee from the second year onward, the net reward rate drops to 12.88%, which is still a great return.
If you include partner merchants and spend ₹5,000 per month (which totals ₹60,000 annually), your total spend for the year would amount to ₹1,02,000. In this case, the reward rate stands at 11.18%, which remains a solid return even after factoring in the annual fees.
Want to apply for the card? CLICK HERE
Conclusion
The Axis Airtel Credit Card is an excellent choice for Airtel users, offering high cashback and exclusive rewards. However, to maximize its benefits, cardholders should track spending and ensure they stay within cashback-eligible categories. If you frequently use Airtel services, this card provides valuable savings and perks.
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