Summary
The Airtel Axis Bank Credit Card gives Airtel users substantial savings. These rewards include cashback on Airtel services like mobile, broadband, Wi-Fi, and DTH on a substantial scale. You would also get cashback on utility bills like gas and electricity or even online grocery orders on Swiggy, Zomato, and BigBasket.
Besides Airtel-specific rewards, the card has cashback on general spending; therefore, it becomes rewarding for purchases made daily. Enjoy discounts in dining at restaurants and fuel surcharge waivers on top of saving. The card offers complimentary lounge access to frequent travelers when qualifying spends are met.
Introduction
In this digital age, a credit card is not just a financial instrument, but an important part of our lifestyle. There are a variety of credit cards in the market, but very important to select the right credit card, so you can get maximum benefits.
Keeping this in mind, Airtel and Axis Bank have jointly introduced a special credit card named Airtel Axis Bank Credit Card. Credit Card is designed for those customers who not only want to meet their day-to-day needs but also want to get better rewards and cashback on them.
Airtel Axis Bank Credit Card offers many benefits to its customers. Whether you are recharging your mobile, recharging DTH, or taking advantage of other services of Airtel Payments Bank – through the Airtel Axis Bank Credit Card you get rewards on every transaction.
Let us know in detail about the Airtel Credit Card through this article its benefits and how to apply for it. Let us also know in detail about it. Therefore, read this article till the end so that you do not face any problems later.
What is the Airtel Axis Bank Credit Card?
Axis Bank Credit Card is a special credit card launched by Axis Bank and India’s leading telecom company Airtel. Airtel Axis Bank Credit Card is specially designed for those customers who use Airtel services regularly and also want to get better rewards and cashback on their everyday spending.
With the Airtel Axis Bank Credit Card, one gets so many benefits such as exclusive cash back and reward points on Airtel’s mobile, broadband, and DTH services. Moreover, it gives special discounts on other shopping, travel, and entertainment expenses by using an Airtel Axis Bank Credit Card.
The most significant benefit of the Credit Card is that it is particularly tailored for the benefit of Airtel Payments Bank customers, wherein one enjoys several benefits that come by through the Airtel Thanks App.
How is the design of the Airtel Credit Card?
Credit Card design is sophisticated and modern, as is to be expected from a premium card. This Airtel Axis Bank Credit Card features a straightforward red and black color scheme with the Airtel logo prominently displayed in a professional and style-oriented way.
It has a basic layout, such that all information on the card number and the name is read and clear, but its entire design is pretty elegant and brings out a classy feeling, thereby appealing to frequent shoppers as well as a lot of users who are savvy with tech.
What are the benefits of the Airtel Axis Bank Credit Card?
Here’s a swift go-through of the benefits:
- Cashback on Airtel Payments:
- You get a cashback of 25% in total up to ₹300 on mobile, DTH, broadband bills, and Airtel Black payments through the Airtel Thanks app.
- Reward Points in Real Value:
- You receive 10 reward points for every ₹100 spent on utility bill payments, mobile recharges, and shopping through the Airtel Thanks app.
- You get 2 reward points for every ₹100 spent on other transactions.
- Amazon Vouchers:
- You get a welcome voucher worth ₹500 from Amazon after spending ₹2,000 within 30 days of card activation.
- Airport Lounge Access:
- You get 4 complimentary domestic lounge visits per year. This is a great benefit for frequent travelers.
- Fuel Surcharge Waiver:
- You save on fuel expenses with a 1% fuel surcharge waiver at all petrol pumps in India.
- Dining Discounts:
- Get exclusive dining offers and discounts through the Axis Bank Dining Delights program.
- No Cost EMI Options:
- Convert big buys into easy EMIs and control your expenses.
What are the fees for the Airtel Axis Bank Credit Card?
Here is a simple breakup of the Credit Card fees.
Joining Fee | ₹499 + GST (one-time fee when you get the card). |
Annual Fee | ₹499 = GST per year. This will be waived if you spend ₹2,00,000 or more in a year. |
Add-on Card Fee | No charges for additional cards for family members. |
Finance Charges | 3.6% per month (51% annually) on the outstanding balance if you don’t pay your bill in full. |
Cash Advance Fee | 2.5% of the amount withdrawn or ₹250, whichever is higher. |
Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an Airtel Credit Card?
The following are the primary requirements:
- To apply for the Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.2 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for Axis Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
- You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an Airtel Axis Bank Credit Card?
The documents that you will have to submit to get a Credit Card are as below:
Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
Photograph | The latest passport-sized photograph |
Where can the Airtel Axis Bank Credit Card be used?
Here is the list of places where you can use it:
- With the Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Airtel Axis Bank Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Airtel Credit Card?
The credit amount you can spend is what you are provided with a Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an Airtel Axis Bank Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the Axis Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Axis Bank; for instance, you can choose the Airtel Credit Card.
- Just hover your cursor on the Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest Axis Bank branch to apply for the Airtel Credit Card.
- Request for the credit card application form of the Airtel Axis Bank Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Axis Bank Card website, or mobile app or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting an Airtel Axis Bank Credit Card in 2025 be right?
Yes, getting a Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
The Airtel Axis Bank Credit Card is one of the best for people looking to have better rewards, cashback, and discounts on their everyday expenses. The biggest feature of the Credit Card is that it is specially designed for Airtel customers who want to get more benefits on telecom services, internet, and DTH services.
If you use Airtel services regularly, the Credit Card will not only help you reduce your expenses but also make your financial transactions more profitable. The exclusive cashback offers and reward points that come with the Axis Bank Credit Card are better than other credit cards as they are given on various Airtel services.
Frequently Asked Questions (FAQ’s)
Ans: The applicant must be between 18 and 70 years of age to apply for the Airtel Axis Bank Credit Card. Along with that, a good credit score is also required.
Ans: Yes, the Credit Card is annual fee-carrying. However, the annual fee is waived in some cases during the first year of your usage. Feess that come along with the card depends on the type of card and your transactions.
Ans: Yes, the Credit Card from Airtel can be used for international transactions. There are some extra charges involved in foreign currency transactions.
Ans: You will receive exclusive cash back on paying the bills for Airtel mobile, broadband, or DTH services through the Credit Card. This cashback is a percentage of your bill amount and is added to your card statement.
Ans: You can get exclusive offers, discounts, and more using the Airtel Thanks app. You also can check your card balance, your transaction history, and many more by using the app.