Airtel Axis
Base Rate
1%
Forex Markup
3.5%
Joining Fee
₹500
Milestones
1
💳 Fee Structure
🧮 Reward Calculator
Monthly Spending Breakdown
Net Annual Value
+₹18,000
After ₹500 annual fee deduction
Base Rewards
₹18,000
Forex Net
+₹0
Milestones
₹500
Milestone Progress
Renewal fee of ₹500 waived on spending ₹2L
Spend ₹2L annually
📝 Detailed Review
The CardVault Verdict
The Airtel Axis Bank Credit Card is one of the most powerful co-branded cashback cards in India. It offers massive 25% and 10% returns on utility and lifestyle payments. However, the complete removal of airport lounge access and the strict monthly caps limit its use for general spending.
Who Should Apply?
Best for individuals who have multiple Airtel broadband/mobile connections and high utility bill payments, and who order food or groceries regularly via Swiggy, Zomato, or Blinkit.
Lounge Access
No Lounge Access
This card does not include complimentary lounge visits.
⚖️ Pros & Cons
✓Pros
- •Industry-best 25% cashback on Airtel mobile, broadband, and DTH bill payments
- •Highly rewarding 10% cashback on utilities (electricity, gas) and food delivery/groceries (Zomato, Swiggy, Blinkit)
- •Low annual fee (₹500) and easily waivable spend threshold of ₹2 Lakhs
- •Direct cashback credited straight to your monthly card statement
✗Cons
- •Complimentary airport lounge access has been entirely discontinued
- •Strict monthly cashback caps (₹250 for Airtel bills, ₹250 for utilities, ₹500 for partners)
- •High 3.5% forex markup fee
Historical Changes
Track record of card modifications
Airport lounge access discontinued
All complimentary domestic airport lounge access visits were removed from the card benefits.
Cashback structure and caps revised
The monthly cashback caps and partner brand list were updated and streamlined.