Airtel Axis Bank Credit Card (2022) Review: The Best Way To Earn Cashback?

Are you looking for a new credit card to help you manage your expenses? If so, you may want to consider the Airtel Axis Bank Credit Card. This card comes with a vari

ety of features and benefits that can help you save money and manage your finances more effectively.

In this article, we’ll take a closer look at the features of the Airtel Axis Bank Credit Card and discuss why it could be a good choice for your needs. Keep reading to learn more!

What’s Ahead

Airtel Axis Bank Credit Card (2022) Review The Best Way To Earn Cashback
Airtel Axis Bank Credit Card (2022) Review The Best Way To Earn Cashback

Introducing the Airtel Axis Bank Credit Card

The Airtel Axis Bank Credit Card is a great choice for anyone looking for a new credit card. This card comes with a variety of features and benefits that can help you save money and manage your finances more effectively.

Some of the key features of this card include:

  • 25% Cashback on Airtel Mobile, Broadband, WiFi, and DTH bill payments via Airtel Thanks App
  • 10% Cashback on Utility bill payments such as gas, electricity, etc., via Airtel Thanks App
  • 10% Cashback on Preferred merchants
  • 1% cashback on All other merchants/ other spends
  • Amazon voucher worth Rs.500 as welcome benefits.
  • Joining and Annual Fees of Rs. 500
  • Annual fees waiver after spending Rs. 2,00,000 in a year

These are just a few of the benefits that come with the Airtel Axis Bank Credit Card. Read on to learn more about this new card and find out if it is the right fit for you.

Introducing the Airtel and Axis Bank

Airtel

Airtel is one of the leading telecom operators in India with more than 280 million subscribers. In addition to voice and data services, Airtel also offers a range of innovative digital content and services such as live TV, movies, music, games, etc. Airtel has now partnered with Axis Bank to launch a new credit card that offers a host of benefits and rewards.

Axis Bank

Axis Bank is one of the largest private sector banks in India with more than 3000 branches and over 53,000 employees. The bank offers a range of products and services such as deposits, loans, cards, insurance, etc.

What are the benefits of the card?

Let’s take a look at some of the benefits that come with the Airtel Axis Bank Credit Card:

Welcome Benefits

  • The card offers a welcome benefit of an Amazon voucher worth Rs.500.

However, there is some condition that needs to be fulfilled to avail of this benefit. You need to make e first transaction in the first 60 days from the date of issuance of the card to be eligible for the voucher.

The Amazon Gift Vouchers will be sent to the registered mobile number of the cardholder within 30 days of the first transaction.

As you can see, that’s a pretty generous welcome offer that can help you get started with the card. You only lose the GST amount on the voucher.

Excellent Cashback

Airtel Axis Bank Credit Card comes with a host of cashback offers.

Let’s take a closer look at the features of the Airtel Axis Bank Credit Card:

#1. 25% Cashback Airtel Mobile, Broadband, WiFi, and DTH bill payments via Airtel Thanks App

The Airtel Axis Bank Credit Card offers a 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH bill payments made through the Airtel Thanks App. This is amazing, considering that most other credit cards only offer a maximum of 5% cashback on such payments.

Even the close competitor, the Axis Ace Credit Card offers only a 5% cashback on payments made through Google Pay App. So, if you are an Airtel customer and make most of your payments through the Airtel Thanks App, then the Airtel Axis Bank Credit Card is a great option for you.

However, there is a limit of Rs.300 per month on the cashback that you can avail of with this card.

This may not be as good as some of the other cards that offer unlimited cashback on such payments, but it is still a decent offer.

#2. 10% Utility bill payments such as gas, electricity, etc., via Airtel Thanks App

The Airtel Axis Bank Credit Card also offers a 10% cashback on utility bill payments made through the Airtel Thanks App. This is again a very good offer, as most other cards offer a maximum of 5% cashback on such payments.

So, you can save a decent amount of money each month by making your utility bill payments through the Airtel Thanks App.

However, there is a limit of Rs.300 per month on the cashback that you can avail of with this card.

#3. 10% Preferred merchants Swiggy, Zomato, & BigBasket

The Airtel Axis Bank Credit Card also offers a 10% cash back at preferred merchants such as Swiggy, Zomato, and BigBasket. This is a great offer, especially if you are a regular customer of any of these merchants.

You can save up to Rs.6,000 per annum by using your Airtel Axis Bank Credit Card at these merchants as cashback is limited to Rs.500 per month.

This again beat some of the best credit cards offers available in the market.

If compare this credit card with RBL Zomato Edition Credit Card, which offers 5% cashback on Zamao orders, then this card seems to be a better deal, however, the Zomoto credit card offers unlimited cash back, so this credit card leg behind in this comparison.

Spoiler Alert:  Preferred merchants can change, so always check with Airtel before assuming that a certain merchant will offer cashback.

#4. 1% cashback on regular Spends.

The Airtel Axis Bank Credit Card also offers a 1% unlimited cash back on regular spending. This is not as good as some of the other cards that offer a 1.5-2% cashback on regular spending, but it is still a decent offer.

So, if you are looking for a basic credit card that offers decent cashback benefits, then the Airtel Axis Bank Credit Card is a good option.

However, if you love flat 2% cashback on all your spending then go for Axis ACE Credit card.

Complimentary Lounge access

The Airtel Axis Bank Credit Card offers 4 complimentary lounge access per calendar year. This is a great benefit, considering that most other basic credit cards do not offer any lounge access at all.

So, if you are looking for a card that offers lounge access, then the Airtel Axis Bank Credit Card is a good option.

However, do not make this credit card a primary choice as much other credit card offers come with more lounge access.

Fuel surcharge waiver

1% fuel surcharge waiver on all fuel transactions provided the amount is between Rs.400 or Rs.4,000. Maximum Rs.500 waiver per month

Dining Delight

This card also offers a Dining Delight benefit which gives you up to 20% off at 4000+ selected restaurants across India. This is a great offer, especially if you are a regular diner at these restaurants.

Downside of this card

The only downside of this card is that it offers a very limited number of merchant partners. So, if you are not a regular at any of the partner merchants, then this card may not be the best option for you.

and cashback shall not be eligible on below categories:

  • Fuel Spends
  • EMI transactions
  • Purchases converted to EMI post facto
  • Wallet loading transactions
  • Purchase of Jewelry items
  • Cash advances
  • Payment of outstanding balances
  • Payment of card fees and other card charges
  • Rental Payments 

However, most credit cards do not offer cashback on the above spending, so this is not something unique to Airtel Axis Bank Credit Card. Check updated list here

Recently axis bank decided not to give cashback on Rent payment after 15th march.

How can the card help you save money and manage your finances more effectively?

The Airtel Axis Bank Credit Card offers several benefits that can help you save money and manage your finances more effectively.

Let’s check, how this card can help you:

S.No. Category Cashback rate Annual Spends Max cashback( Annual)
1 Airtel Mobile, Broadband, WiFi and DTH bill
payments via Airtel Thanks App
25% Rs.14,400 Rs.3,600
2 Utility bill payments such as gas, electricity,
etc., via Airtel Thanks App
10% Rs.36,000 Rs.3,600
3 Preferred merchants 10% Rs.60,000 Rs.6,000
Total cashback other than 1% cashback on regular spends Rs.1,10,400 Rs.13,200
Average Cashback Rate 11.96%
(Cashback Calculation)

So, you can see that, you can get 11.96% cashback on accelerated spending which is the highest in the market as of now, other than some best premium cards.

Eligibility Criteria

The Axis bank has not shared the eligibility criteria for this card as of now. However, considering that this is a basic credit card, it is likely that the eligibility criteria will be similar to other basic credit cards.

Like most other cards, this card is likely to be available to

  • Resident of India
  • Individuals who are above 18 years of age
  • and have a good credit score.

Airtel Axis Bank Credit Card can be applied through the Airtel Thanks app, however, till now only selected users can apply for the card. After some time, the card will be available for all users.

Documents required

The documents that you will need to provide to apply for this card include:

  • Proof of identity– PAN Card, Voter ID card, Passport, Driving License
  • Proof of address– Rental agreement/Electricity bill/Telephone bill/Water bill/Bank statement/Credit card statement
  • PAN Card copy
  • Photograph

Final thoughts: Is this the best card for you?

Airtel Axis Bank Credit Card (2022) Review: The Best Way To Earn Cashback?

The Airtel Axis Bank Credit Card is a great choice if you’re looking for cashback on your mobile, broadband, DTH, and utility bills. You can also enjoy 10% cashback when you pay your bills through the Airtel Thanks app.

Editor's Rating:
4.8

Plus, there are lots of other benefits like an Amazon voucher worth Rs. 500 against annual fees for the first year. So, if you’re looking for a card that gives you direct cashback, this one is worth considering.

Have you applied yet? Share your thoughts in the comments below.

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