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Axis BankAxis Bank

Airtel Axis Bank Credit Card

4.68,000 reviewsUtilityDining
Welcome offer₹500 Amazon Voucher
Annual fee
₹ 500
Reward rate
25% on Airtel Bills
Credit score
700+
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Free to apply via CardGuruji · subject to issuer approval

Airtel Axis Bank Credit Card
Visa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

25% on Airtel Bills

10% on Swiggy/Zomato/BigBasket. 1% others.

Reward currency
Cashback
Card network
Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • High cashback on Airtel

  • 4 Lounge Visits

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Massive 25% cashback

  • Dining offer

What to watch out for

  • Cashback caps

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹500Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
1%
Foreign currency markup
3.5%
Late payment
₹1200
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.6%
Balance transfer
3.6%
Cash advance
3.6%

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Axis Bank before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

700+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of Axis Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about Airtel Axis Bank Credit Card

Everything you need to know about Airtel Axis Bank Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for Airtel Axis Bank Credit Card is nominal, and the annual renewal fee is ₹500 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for Airtel Axis Bank Credit Card from Axis Bank, a CIBIL score of 700 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

Airtel Axis Bank Credit Card is designed to reward everyday spends. It currently features: "₹500 Amazon Voucher". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Axis Bank's rewards portal.

Yes, Airtel Axis Bank Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for Airtel Axis Bank Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.