Back to Browse
Airtel Axis Bank
Axis • Visa

Airtel Axis Bank

25% cashback on Airtel recharges/bills, 10% on utility bill payments and eligible food/grocery partners, plus 1% on other spends.

Annual Fee₹500Waived on ₹2L spend
Base Reward1.0%On all spends
Lounge Access1111 domestic • 0 intl
Est. Annual Savings₹12,600Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

Waived on ₹2L spend

Net value₹3,600

Estimated savings per year.

Fee waiver target: ₹2,00,000 annual spend.Reward cap applied at ₹12,600/yr (not reached).Category caps apply for certain spends.

Reward Rate Breakdown

Category-wise reward rates for this card

Lifestyle
25.0%
Online
10.0%
Shopping
10.0%
Dining
10.0%
Basedefault
1.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

Expand

Insights

  • This is a bucket-capped utility card, not an unlimited 10%-25% cashback card.
  • Lounge proposition is conditional: ₹50,000 spends in previous 3 months for next-quarter access.
  • Real edge comes when Airtel + utility + partner buckets are all used each month.

Best Utilization

  • Route Airtel recharges, broadband and DTH first to maximize the 25% bucket.
  • Use for utility payments through Airtel Thanks and selected partner spends only up to bucket caps.
  • After monthly caps are hit, shift online spends to SBI Cashback or another uncapped online card.

Watchouts

  • Do not use this as your primary all-purpose card after cashback buckets are exhausted.
  • Track monthly cap exhaustion manually; over-spend beyond cap drops to low base earn.
  • Review offer/merchant eligibility changes periodically in the Axis value chart.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹500
  • Annual fee₹500
  • Waiver threshold₹2,00,000
  • Cap typemixed
  • Cap resetstatement-cycle
  • Last verified2026-02-13

Redemption Truth

  • Cash value/point₹1
  • Travel value/point₹1
  • Transfer partners0
  • Min redemption₹0
  • Expiry policyNot applicable; cashback is credited directly in the card statement.
  • Last verified2026-02-13

Lounge Truth

  • NetworkVisa
  • Domestic count4
  • International count0
  • Quarterly limit1
  • Airport-terminal rows11
  • Policy check2026-02-13

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports24
  • Approval reports15

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for Airtel Axis Bank using your current quarter spend.

₹0 spent₹50,000 target

Policy signal used: - Source file: Axis Bank domestic lounge program PDF (Set A). - Domestic lounge access is linked to card-wise quarterly/yearly limits. - Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file.

Spend threshold

Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file.

Quarter / cycle rule

Domestic lounge access is linked to card-wise quarterly/yearly limits.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

11 airport lounge rows
View lounge map and location list11 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Bengaluru

2 lounges • 2 domestic • 0 international

2
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic Departure T2

BLR Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic Departure T1

Chennai

2 lounges • 2 domestic • 0 international

2
Travel Club LoungeDomestic

CHE • Chennai Airport • Domestic Departure T4

Travel Club Lounge A/BDomestic

CHE • Chennai Airport • Domestic Departure T1

Hyderabad

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic Departure T1

Kolkata

1 lounges • 1 domestic • 0 international

1
Travel Club LoungeDomestic

KOL • Kolkata Airport • Domestic Departure T1

Mumbai

2 lounges • 2 domestic • 0 international

2
Adani Lounge*Domestic

MUM • Mumbai Airport • Domestic Departure T2

Travel Club LoungeDomestic

MUM • Mumbai Airport • Domestic Departure T1c

New Delhi

3 lounges • 3 domestic • 0 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T2

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T3

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • 25% cashback on Airtel mobile, broadband and DTH spends via Airtel Thanks
  • 10% cashback on utility bills via Airtel Thanks
  • 10% cashback on Swiggy, Zomato and BigBasket
  • 1% cashback on most other eligible spends

Things to Consider

  • Highest value depends on Airtel Thanks flow for Airtel and utility categories
  • Category cashback buckets are capped and can max out quickly
  • 3.5% + GST dynamic currency conversion markup applies on foreign-currency transactions

About Airtel Axis Bank

Airtel Axis Bank is a cashback card from Axis, best for airtel users & utility bills. It is tagged under lifestyle, dining, shopping, cashback categories in our database.

LifestyleDiningShoppingCashback

Similar Cards You Might Like

AxisRuPay

Airtel Axis Bank Credit Card

Airtel Users & Food Delivery

₹500/yrCashback
AxisMasterCard

Flipkart Axis Bank Credit Card

Flipkart & Myntra Shoppers

₹500/yrCashback
AxisVisa

Axis Ace

Utility Bills & Food

₹499/yrCashback

Frequently asked questions

Is Airtel Axis Bank lifetime free?

It has an annual fee of ₹500. Waived on ₹2L spend

What rewards does Airtel Axis Bank offer?

25% cashback on Airtel recharges/bills, 10% on utility bill payments and eligible food/grocery partners, plus 1% on other spends.

Does Airtel Axis Bank include lounge access?

Airtel Axis Bank lists 11 lounge visits (11 domestic, 0 international).

Who should consider Airtel Axis Bank?

Airtel Users & Utility Bills

Where can I apply for Airtel Axis Bank?

Check the issuer link listed for this card.