Airtel Axis Bank credit card
25% on Airtel bills, 10% on Zomato, Blinkit and District, 10% on utilities via Airtel Thanks (revised Apr 2026).
Source: Axis Bank – Airtel Axis Bank Credit Card · last reviewed 2026-09-19
Why it fits – and what to watch
hover any tile for the detail! No usable lounge access although you asked for it.
Where the money comes from
₹7,298/yr · 2.2%UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
- How ₹7,298/yr is calculated
- Airtel Axis Bank
- + Reward value on your spendat ₹1/Cashback realistic value
- ₹6,938
- + Fuel surcharge waiver1% up to ₹500/month
- ₹360
- + Annual fee incl. 18% GSTwaived – ₹590 at ₹2,00,000 spend
- ₹0
- = Recurring net savings
- ₹7,298/yr
- ÷ card spend counted UPI-only rupees excluded on non-RuPay cards
- ₹3,26,640
- = Effective savings rate
- 2.2%
How the score of 53 is built
weights total 100% · methodologyAirport lounges with this card
This card has no complimentary lounge access. Find cards that get you in →
What changed on this card
- DevaluationAxis Bank
Airtel Axis Bank card: Swiggy and BigBasket cashback dropped, lounge visits withdrawn
From 12 April 2026 the 10% bucket covers Zomato, Blinkit and District instead of Swiggy, Zomato and BigBasket, category caps unlock only after a base level of spend, and the four complimentary domestic lounge visits a year are discontinued. The 25% on Airtel bills and 10% on utilities via Airtel Thanks continue with their caps.
Card facts
At a glance
- Highest bill-payment cashback in India
- 10% on Zomato, Blinkit and District
- Cheap and easy fee waiver
- Tight caps (₹300/₹500/₹250) and, since Apr 2026, base spend needed to unlock them
- Swiggy and BigBasket cashback dropped; lounge visits withdrawn (Apr 2026)
- Value depends on being an Airtel customer
Compare Airtel Axis Bank with
Community Q&A on the Airtel Axis Bank
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the Airtel Axis Bank?
Joining fee ₹500 and renewal fee ₹500, plus 18% GST (₹590 a year). The renewal fee is waived if you spend ₹2,00,000 in the card year.
Does the Airtel Axis Bank give airport lounge access?
No lounge access. None (domestic visits withdrawn 12 Apr 2026).
How much can I save with the Airtel Axis Bank?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹7,298 a year, an effective savings rate of 2.2% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the Airtel Axis Bank's reward exclusions and caps?
No rewards on fuel, rent, insurance, education. 25% on Airtel mobile, broadband, DTH: capped at ₹300 a month; 10% on Zomato, Blinkit, District (Swiggy & BigBasket dropped Apr 2026): capped at ₹500 a month; 10% on utility bills via Airtel Thanks: capped at ₹250 a month
Sources
Reviewed 2026-09-19. Point values are our realistic estimates – see methodology. Also: Airtel Axis Bank lounge access by airport · all Axis Bank cards · change log.