Airtel Axis Bank Credit Card Review

The airtel axis bank credit card is a newer addition in the Indian credit card market, which has opened a new way of earning benefits for Airtel users. Making your every transaction rewarding this axis airtel card offers; attractive cashback on every online and offline transaction, free access to airport lounges, exclusive discount on dining expenses, ad lots, more. This card works on the Visa platform and the annual fee is just Rs. 500 per year. More about the Airtel axis bank credit card benefits are discussed below.

What are the axis bank credit card eligibility criteria?

  • Resident Type: Indian
  • Axis credit card eligibility criteria for salaried person:
    • Age: The age of the applicant should be between 18 to 70 years.
    • Income: The average annual income of the applicant should be greater than Rs. 9 lakh per year. 
  • Axis credit card eligibility criteria for self-employed person:
    • Age: The age of the applicant should be between 18 to 70 years.
    • Income: The average income of the applicant should be between Rs. 12 lakh per year. 
  • An excellent credit score (760 or more) is required to apply for this axis bank credit card.

As you submit your axis bank credit card application, you will get a unique application id, you can use that to track your axis bank credit card application status.

What documents are required to apply for the Airtel axis bank credit card?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR(Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

As per the new regulations, all new credit cards are delivered in an inactive state. Before using them the users need to activate them manually by generating a four-digit PIN. If you want to know; how to activate axis bank credit card for the first time, then make sure to take a look at our axis bank credit card faq page.

How much are the Airtel axis bank credit card fees?

  • Airtel axis bank card joining fee: Rs. 500 + GST (for the first year only)
  • Airtel axis bank credit card annual fee: Rs. 500 + GST (applicable from the second year onwards, can be waived off on spending Rs. 2,00,000 within a year)

What are the airtel axis bank credit card benefits?

  • A huge joining bonus to make a wonderful start for you:

As you perform the first successful transaction with your axis bank airtel card, you will receive a gift voucher of Rs. 500 as a welcome gift. The transaction should be done within the first 30 days of card activation. 

  • Get rewarded for every transaction:

This axis bank credit card features a powerful cashback scheme that can make your every transaction rewarding. The details are given below.

Category of transaction

Rate of earning cash backs

Airtel mobile, Wifi, broadband, and DTH recharge via Airtel thanks app 25% cashback (up to Rs. 300 per month).
Utility bill (such as electricity, gas, etc) payments via Airtel thanks app. 10% cashback (up to Rs. 300 per month).
Swiggi, BigBasket, and Zomato.  10% cashback (up to Rs. 500 per month)
All other categories (except on fuel purchase, EMI conversion/payments, wallet top-up, cash withdrawal, jewelry purchase, etc.)  1% cashback 

The cashback amount will be reflected in your monthly credit card statements. You can also check your axis bank credit card status from the axis bank credit card app.

  • Make travel more comfortable with complimentary lounge access:

This axis bank credit card gives you up to 4 free accesses to most of the domestic airport lounges. You can find the axis bank credit card lounge access list here.

  • Enjoy freedom from fuel surcharges:

If you use this axis bank visa credit card to purchase fuel, you will get a 1% waiver on fuel surcharges. The transaction amount should be between Rs. 400 to Rs.4,000 and you can earn a maximum of Rs. 500 waiver in an axis bank credit card statement cycle.

  • Experience exclusive deals on dining expenses:

This axis bank credit card offers a massive 20% discount on dining expenses. This axis bank credit card offer is applicable at 4,000+ premium restaurants across the globe. Click here to find your nearby participating restaurant.

  • Make your card free for a lifetime:

On spending Rs. 2,00,000 with your card within a year, you can get a complete waiver on your annual fees. So if you want to enjoy the benefits of your axis bank credit card with no annual fee, then you just have to keep spending Rs. 2,00,000 per year.

  • Split your high-value transactions into small installments with the low-cost EMI option:

This airtel axis bank credit card features a low-cost EMI option that allows you to convert your high-value transactions (min Rs. 2,500)  into small monthly installments. You can also calculate the applicable interest rate and the monthly installments from the axis bank credit card emi calculator. You can find more about the axis bank credit card emi conversion process from our faq page.

  • Pay your credit card bills more easily with convenient bill payment options:

You can make your axis bank credit card payment online from your net banking account or by using the axis bank credit card mobile app. You can also use any credit card bill payment app like; Cred, Google pay, Phone Pe, Paytm, etc. Also if you want to know how to pay axis bank credit card bill offline? then feel free to take a look at the Axis bank faq page.

  • Enjoy the convenience of the advanced contactless payment facility:

Axis bank has equipped this airtel axis bank card with an advanced contactless payment facility. This feature allows you to make payments just by placing your card over any POS machine that accepts contactless payments. You can also control the contactless payment facility from your axis bank credit card net banking account.

What are the airtel axis bank credit card charges?

Particulars

Payable amount

Axis bank credit card cash withdrawal charges. 2.5% against the withdrawn amount, min Rs. 500 (once per transaction, check your available axis bank credit card limit before making a withdrawal)
Axis bank airtel credit card finance charges 3.6% monthly or 52.86% annually (Applicable if the axis bank credit card payment is not made within the due date).
Axis bank credit card charges on foreign currency conversion. 3.50% against the transaction amount.
Axis bank credit card add-on card fee. Free for a lifetime.

Nowadays, online transactions on all new credit cards are turned off, so if you want to know; how to activate axis bank credit card for online transaction? then make sure to take a look at our Axis bank faq page.

How to contact the axis bank credit card customer care department?

  • Call the axis bank credit card customer care number: 1860-419-5555 / 1860-500-5555 / 022-6798-7700 or 040-67174100
  • You can also write to the axis bank credit card customer care email id: creditcards@axisbank.com 

100xGain Ratings: 

7.5/10

Pros and Cons:

Pros

Cons

  • You can earn huge cash backs on online transactions done via airtel thanks app.
  • There is also a big discount on dining expenses.
  • This card also gives you free access to domestic airport lounges.
  • The cashback benefits are only applicable if the transaction is done via the Airtel thanks app.
  • You will not get any movie benefits from this airtel axis bank credit card.

If you don’t want to continue with your old axis credit card account and want to know; how to close axis bank credit card account permanently, then feel free to take a look at our Axis bank credit card faq page. You can also find the axis bank credit card cancellation form here.

Final Opinion:

If you are an Airtel user then this card can be the standalone credit card for you. From utility bill payments to online food orders, this airtel credit card covers every aspect of your daily life. So, if you are looking for a mid-tier credit card for everyday usage, this card can be a decent option for you. 

But, if you are not satisfied with the benefits, or if you want some more, then feel free to take a look at our top credit card pages.

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