Airtel Axis Bank Credit Card

Joining fee

₹500

Annual fee

₹500

Fee waiver

Waived above ₹2,00,000 annual spend

Forex markup

3.5%

cashback

• everything-else: 1%Base rate on all other spend, uncapped — this base amount also sets the cap for the two Airtel Thanks App accelerators below
• utilities: 25%Airtel mobile, broadband, WiFi and DTH bills paid via the Airtel Thanks App — capped at 2x whatever base-rate cashback was earned in the same statement cycle, not a fixed rupee amount
• utilities: 10%Electricity, gas and other utility bills paid via the Airtel Thanks App — capped at 1x whatever base-rate cashback was earned in the same statement cycle, not a fixed rupee amount
• other-online: 10%"Value back" (credited to the partner's own wallet, not the Axis statement) on Zomato, Blinkit and District Movies, online payment only — capped at ₹200/month per partner, minimum order ₹499 on Zomato/Blinkit

Genuine cashback, credited to the statement roughly 60 days after the purchase's billing cycle (3 days before the next statement generation), rounded down per transaction. If no spend occurs in the 1% base category in a statement cycle, no cashback is earned on Airtel bill payments that cycle either — the base spend is a prerequisite multiplier, not an independent bucket.

• fuel, rent, insurance, education: Also excludes cash advances/financial-institution transactions, wallet recharge, jewelry, government services, gift cards, tolls, and utility/telecom spend not routed through the Airtel Thanks App.

Minimum age

18 years

• •The annual fee is waived once you spend 2,00,000 in a year.
• •Rewards pay back as cashback rather than points that need redeeming.

Verified from official issuer sources. Last verified 30 August 2026