M16S / Axis Bank / Airtel Axis Bank Credit Card
entry · cashback, cobrand, upi
Airtel Axis Bank Credit Card
The Airtel Axis Bank Credit Card costs Rs 500 a year, waived if you spend Rs 2,00,000 in a year. Its base return is 1% (1% cashback on other spend). The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 500+ GST
- Fee waived at
- Rs 2,00,000annual spend
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- Axis Bank stops rewards on bridge fees, road fees and tolls, August 2026
From 28 Aug 2026 spends on bridge fees, road fees and tolls earn no rewards or cashback on these Axis Bank cards. Gift card purchases move to their own spend category and still earn nothing. Source: Axis Bank, campaign.axis.bank.in, read 28 Oct 2026
- Axis Bank sets a Rs 1,300 late fee on dues of Rs 50,000 and above, August 2026
From 28 Aug 2026 the late payment fee is INR 1,300 for outstanding balances of INR 50,000 and above. Below INR 50,000 the fee is unchanged. Source: Axis Bank, campaign.axis.bank.in, read 28 Oct 2026
- Axis Bank raises the foreign currency markup from 1.5% to 3.5%, August 2026
From 28 Aug 2026 the dynamic currency conversion markup rises to 3.5% from 1.5% on these Axis Bank cards. Source: Axis Bank, campaign.axis.bank.in, read 28 Oct 2026
- Axis Bank swaps Airtel card Swiggy cashback for Zomato and Blinkit, April 2026
From 12 Apr 2026 the 10% cashback on Swiggy, Zomato and BigBasket becomes 10% value back on Zomato, Blinkit and District Movies, up to INR 200 a month per partner on orders of INR 499 or more. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank ends Airtel card lounge access from April 2026
From 12 Apr 2026 the 4 complimentary domestic lounge visits on the AIRTEL AXIS BANK card are discontinued. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank ties Airtel card cashback caps to base cashback from April 2026
From 12 Apr 2026 cashback on 25% Airtel spends is capped at twice the base cashback earned in the statement month, and on 10% Airtel spends at the base cashback, instead of INR 250. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank adds 1% fees on wallet, fuel, utility, education and gaming, Dec 2024
The MITC lists a 1% fee applicable from 20 Dec 2024 on wallet loads from INR 10,000, fuel from INR 50,000, utilities from INR 25,000 and online skill-based gaming from INR 10,000 per statement cycle, and on third-party app education payments. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank ties Airtel card lounge access to Rs 50,000 spend, May 2024
From 1 May 2024 AIRTEL AXIS BANK lounge access needs INR 50,000 of spends in the previous 3 calendar months. New cards are exempt for the issue month and the next 3 months. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank cuts Airtel card cashback caps from INR 300 to INR 250, April 2024
From 20 Apr 2024 the monthly cap on 25% Airtel bill cashback and on 10% utility cashback via Airtel Thanks falls from INR 300 to INR 250 a statement cycle. Utility spends elsewhere earn no cashback. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 500 |
|---|---|
| Annual fee | Rs 500 |
| Annual spend that waives the fee | Rs 2,00,000 |
| Fee notes | Annual fee Rs 500 from year 2, waived on annual spend above Rs 2 lakh; rent (MCC 6513) and wallet loads (MCC 6540) do not count (issuer page). Add-on card annual fee Rs 100. |
Rewards
| Welcome benefit | Amazon eVoucher worth Rs 250 on first transaction within 30 days of issuance; not for cards issued without a joining fee |
|---|---|
| Reward currency | Cashback |
| Base earn | 1% cashback on other spend |
| Base return | 1% |
| Point value | Cashback credited to statement; partner value back sits in the partner wallet with no expiry |
| Accelerated earn | 25% on Airtel mobile, broadband, WiFi and DTH bill payments via Airtel Thanks app; 10% on utility bills (gas, electricity etc.) via Airtel Thanks; 10% value back on Zomato, Blinkit and District Movies |
| Caps | 25% tier capped at twice the base cashback earned in the same statement month; 10% utility tier capped at 1x that base cashback. Partner value back max Rs 200 per partner a month, min order Rs 499 on Zomato and Blinkit. |
| Spends that earn nothing | Utilities outside Airtel Thanks, fuel, EMI, rent, government, insurance, education, wallet loads, jewellery, cash, gift cards |
| Points expiry | Not applicable |
| Milestone benefits | None |
| Reward notes | base_return_pct = 1% base (issuer page). To earn Rs 250 on the 25% tier a cardholder must first earn Rs 125 of base cashback, i.e. spend Rs 12,500 elsewhere that month. No reward redemption fee. Issuer value chart puts total value at about 4.65% on Rs 3 lakh annual spend. |
Travel and perks
| Domestic lounge | None (4 a year discontinued 12 Apr 2026) |
|---|---|
| International lounge | None |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on Rs 400-4,000 fuel transactions, cap Rs 500 per statement (issuer page) |
| Other freebiesunverified | Dining Delights 15% off up to Rs 500 (aggregator) |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Age 18-70; resident of India. Apply through the Airtel Thanks app. |
| Fine-print notes | Before the 2026-10-12 page read: cashback structure from Axis's revised T&C PDF effective 12 Apr 2026. RuPay variant confirmed by aggregator; other network not stated in sources read. Product page read 2026-10-12 confirms cashback tiers and the caps effective 12 Apr 2026, fee waiver, 3.5% forex and 3.75% interest. The page does not state the card network, lounge access or Dining Delights; Wednesday offers (MakeMyTrip/Goibibo, Swiggy, Tira) are listed. Network: Axis's own RuPay category page (https://www.axis.bank.in/cards/credit-card/rupay-credit-card, read 2026-10-12) lists this card among its RuPay credit cards. |
Questions
- What is the annual fee of the Airtel Axis Bank Credit Card?
- Rs 500 a year, before GST. It is waived if you spend Rs 2,00,000 in a year.
- Does the Airtel Axis Bank Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the Airtel Axis Bank Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Airtel Axis Bank Credit Card?
- Utilities outside Airtel Thanks, fuel, EMI, rent, government, insurance, education, wallet loads, jewellery, cash, gift cards