Axis Bank Airtel Credit Card: Difference between revisions

Latest revision as of 02:25, 3 July 2025

Introduction

The Airtel Axis Bank Credit Card is made for people who use Airtel services regularly and love getting cashback. It’s designed to give maximum savings on your Airtel bills, utility payments, and even food or grocery orders.

Charges

Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST (every year)

Annual Fee Waiver

Spend ₹2,00,000 or more in a year to get the next year’s annual fee waived.

Welcome & Renewal Benefits

Get an Amazon e-voucher worth ₹500 when you make your first transaction within 30 days of card issuance.

Key Features & Benefits

Spend Category	Cashback Rate	Monthly Cap
Airtel Mobile, Broadband, WiFi & DTH via Airtel Thanks App	25%	₹250
Utility Bill Payments via Airtel Thanks App	10%	₹250
Swiggy, Zomato, BigBasket via Airtel Thanks App	10%	₹500 (combined)
All other eligible spends (incl. education payments)	1%	No cap

💡 Cashback is credited monthly, 3 days before your bill is generated. Only on eligible spends.

👉 Pay utility bills via the Airtel Thanks app and get 10% cashback (up to ₹250/month) — includes recharges for Jio, Vi, BSNL, and other telecom operators too.

What Qualifies for Cashback

Airtel recharges, broadband, DTH bills — via Airtel Thanks app
Utility bill payments (gas, electricity, etc.) — via Airtel Thanks app
Orders from Swiggy (food only), Zomato (food only), BigBasket (BB & BBnow only)
Other eligible spends — like shopping, travel, education payments (e.g. valid school/college fees made directly through official websites or POS machines), etc.

What Doesn’t Qualify

EMI transactions or spends later converted to EMI
Fuel, rent payments, wallet loads, jewellery
Insurance, government services
Utility spends not done via Airtel Thanks app
Card fees, charges, cash advances

Additional Benefits

1% Fuel Surcharge Waiver: Valid on fuel spends between ₹400 to ₹4,000 (max ₹400/month waiver).
Domestic Airport Lounge Access: Get 4 complimentary domestic lounge visits per year (1 per quarter). Minimum spend of ₹50,000 in the previous 3 months required to unlock this benefit.

Eligibility

Minimum age: 18
Should have a steady income
Approval depends on Axis Bank’s internal checks (your credit score and all that)

Upgrade Options

There’s no direct upgrade path from another Axis Bank card, but you can always apply for this one separately.

Important Changes in Charges (Effective 20th December 2024)[1]

Axis Bank has updated some charges on Airtel Axis Bank Credit Card transactions. Here's a summary:

Rental Transactions
- Fee: 1% per transaction
- Cap: No cap (previous ₹1,500 cap removed)
- MCC: 6513
Wallet Loads
- Fee: 1% if monthly wallet load is ₹10,000 or more
- MCC: 6540
Fuel Transactions
- Fee: 1% if monthly fuel spends exceed ₹50,000
- MCC: 5983, 5541, 5542, 5172
Utility Payments
- Fee: 1% if total utility bill payments exceed ₹25,000 in a billing cycle
- MCC: 4814, 4899, 4900
Education Payments
- Fee: 1% per transaction via third-party apps (e.g., CRED, Paytm, Cheq, MobiKwik, etc.)
- MCC: 8211, 8220, 8241, 8244, 8249, 8299
Online Skill-Based Gaming
- Fee: 1% if spends exceed ₹10,000 per billing cycle
- MCC: 5816

All above charges are subject to GST as applicable.

@@ Line 1: / Line 1: @@
+{{DISPLAYTITLE:Airtel Axis Bank Credit Card}}
 == Introduction ==
 The Airtel Axis Bank Credit Card is made for people who use Airtel services regularly and love getting cashback. It’s designed to give maximum savings on your Airtel bills, utility payments, and even food or grocery orders.
@@ Line 45: / Line 47: @@
 * Utility bill payments (gas, electricity, etc.) — via '''Airtel Thanks app'''
 * Orders from '''Swiggy (food only), Zomato (food only), BigBasket (BB & BBnow only)'''
-* '''Other eligible spends''' — like shopping, travel, '''education payments (e.g. valid school/college fees)''', etc.
+* '''Other eligible spends''' — like shopping, travel, '''education payments''' (e.g. valid school/college fees made directly through official websites or POS machines), etc.
 === What Doesn’t Qualify ===
@@ Line 57: / Line 59: @@
 == Additional Benefits ==
-* 1% Fuel Surcharge Waiver  Valid on fuel spends between ₹400 to ₹4,000 (max ₹400/month waiver).
+* 1% Fuel Surcharge Waiver:  Valid on fuel spends between ₹400 to ₹4,000 (max ₹400/month waiver).
-* Domestic Airport Lounge Access  Get '''4 complimentary domestic lounge visits per year''' (1 per quarter).  👉 ''Minimum spend of ₹50,000 in the previous 3 months required to unlock this benefit.''
+* Domestic Airport Lounge Access:  Get '''4 complimentary domestic lounge visits per year''' (1 per quarter).  ''Minimum spend of ₹50,000 in the previous 3 months required to unlock this benefit.''
 == Eligibility ==
@@ Line 68: / Line 70: @@
 == Upgrade Options ==
 There’s no direct upgrade path from another Axis Bank card, but you can always apply for this one separately.
-{{DEFAULTSORT:Airtel  Axis Bank Credit Card}}
+== Important Changes in Charges (Effective 20th December 2024)[https://www.axisbank.com/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-airtel-cc.pdf?] ==
+Axis Bank has updated some charges on Airtel Axis Bank Credit Card transactions. Here's a summary:
+# '''Rental Transactions'''
+#* Fee: 1% per transaction
+#* Cap: No cap (previous ₹1,500 cap removed)
+#* MCC: 6513
+# '''Wallet Loads'''
+#* '''Fee''': 1% if monthly wallet load is ₹10,000 or more
+#* MCC: 6540
+# '''Fuel Transactions'''
+#* Fee: 1% if monthly fuel spends exceed ₹50,000
+#* MCC: 5983, 5541, 5542, 5172
+# '''Utility Payments'''
+#* Fee: 1% if total utility bill payments exceed ₹25,000 in a billing cycle
+#* MCC: 4814, 4899, 4900
+# '''Education Payments'''
+#* Fee: 1% per transaction via third-party apps (e.g., CRED, Paytm, Cheq, MobiKwik, etc.)
+#* MCC: 8211, 8220, 8241, 8244, 8249, 8299
+# '''Online Skill-Based Gaming'''
+#* Fee: 1% if spends exceed ₹10,000 per billing cycle
+#* MCC: 5816
+<blockquote>''All above charges are subject to GST as applicable.''</blockquote>{{DEFAULTSORT:Airtel  Axis Bank Credit Card}}