Airtel Axis Bank RuPay Credit Card Review: Features, Benefits, and More

The Airtel Axis Bank RuPay Credit Card is engineered for users who are deeply integrated into the Airtel ecosystem. If you love using the Airtel Thanks App for bill payments and want a card that pairs low annual fees with robust rewards, then this might be the ideal choice for you. In this comprehensive review, we’ll break down every aspect of the card—from fees and cashback offers to exclusive benefits and important terms. Read on to discover whether this credit card perfectly fits your lifestyle and spending habits.

Overview

This credit card is designed especially for those who frequently spend on Airtel services or use the Airtel Thanks App. Besides delivering cashback on a variety of transactions, it offers additional perks such as lounge access, dining discounts, and mid-week deal offers. With low joining and annual fees paired with a multitude of rewards, the Airtel Axis Bank RuPay Credit Card aims to add significant value to your everyday expenses.

Fees & Charges

Before signing up, it’s important to understand the costs associated with the card. Here’s a detailed breakdown:

• Joining Fee: Rs. 500

• Annual Fee: Rs. 500

• Finance Charges: 3.75% per month

• Late Payment Fees:

  • For outstanding amounts less than Rs. 500: Nil

  • Rs. 501 to Rs. 5,000: Rs. 500

  • Rs. 5,001 to Rs. 10,000: Rs. 750

  • Greater than Rs. 10,000: Rs. 1,200

Additional Benefit:
If you spend Rs. 2 lakh in 12 months, there is a fee waiver of Rs. 500 – a rewarding incentive for high spenders.

Welcome Benefit

New users are greeted with a special incentive:

• Amazon e-Voucher: Get a Rs. 500 e-voucher on your first transaction within 30 days of card issuance.

Cashback Structure

One of the standout features of this card is its diverse cashback structure. Depending on how and where you spend, you can enjoy multiple cashback rewards:

Bill Payments on Airtel Services

• Cashback: 25% on Airtel Mobile, Broadband, WiFi, and DTH bill payments when paid through the Airtel Thanks App.

• Cap: Up to Rs. 250 per month.

Utility Bill Payments

• Cashback: 10% on payments for electricity, water, and gas via the Airtel Thanks App.

• Cap: Up to Rs. 250 per month.

Preferred Merchant Offers

• Cashback: 10% on transactions at select partners such as Swiggy, Zomato, and BigBasket.

• Cap: Rs. 500 per month across all merchants.

Other Eligible Spends

• Cashback: Earn 1% on all other eligible purchases.

• No cap on the cashback amount.

Additional UPI Benefits

• Seamless UPI Transactions: The card can be linked to a UPI app, earning 1% cashback on transactions made through UPI for all other eligible purchases.

Note: Cashback does not apply to fuel transactions, jewelry, wallet loads, EMI conversions, rent payments, government services, insurance, education, or utility bill payments made outside the Airtel Thanks App.

Other Features & Benefits

The Airtel Axis Bank Credit Card goes beyond standard cashback to offer additional benefits that add extra value:

Lounge Access

• Benefit: Enjoy 4 complimentary domestic lounge visits per calendar year at select airports in India.

• Condition: Applicable if you have spent at least Rs. 50,000 in the previous three months.

• View Lounge List

Dining Discounts

• Offer: Avail up to 15% discount at over 4,000 partner restaurants across India.

Easy EMI Conversion

• Feature: Convert purchases above Rs. 2,500 into easy monthly installments.

Fuel Surcharge Waiver

• Savings: Enjoy a 1% waiver on fuel surcharge (up to Rs. 500 per statement cycle) for fuel transactions ranging between Rs. 400 and Rs. 4,000.

Wednesday Delight Offers

Every Wednesday brings mid-week special offers:

• Up to 15% instant savings on flights and hotels via Goibibo and Makemytrip.

• 10% off on orders via Swiggy and Amazon Fresh.

• Up to 10% off, up to Rs. 1,000 on Tira offers.

These offers help you save even more mid-week, adding another layer of value to your spending.

Exclusions & Conditions

While the cashback opportunities are extensive, it’s important to be aware of certain exclusions:

• Transactions in areas such as fuel spends, wallet recharges, jewelry purchases, rent payments, insurance, education, and government services do not qualify for cashback.

• Utility bill payments made outside the Airtel Thanks App will also be excluded from earning cashback.

Who Should Get This Card?

The Airtel Axis Bank RuPay Credit Card is best suited for:

• Airtel Regulars: Those who frequently spend on Airtel services.

• Bill Payment Enthusiasts: Users who prefer using the Airtel Thanks App.

• Cashback Seekers: Individuals looking for multiple cashback opportunities with minimal annual fees.

• Perks Lovers: Consumers who can benefit from additional offers like lounge access, fuel surcharge waivers, and dining discounts.

Conclusion

To wrap it up, the Airtel Axis Bank RuPay Credit Card is loaded with attractive features—from generous cashback rewards and an enticing welcome benefit to exclusive Wednesday deals and a wide range of additional perks. If you are a regular Airtel user seeking a card that aligns with your everyday spending and lifestyle, this credit card might be just what you need.

Looking to apply for a new credit card, Use the affiliate link below to get started-

Axis Bank Credit Card Apply Link - Click Here
ICICI Bank Credit Card Apply Link - Click Here
HDFC Credit Cards Apply Link - Click Here
Yes Bank Kiwi Credit Card Apply Link - Click Here
Scapia Credit Card Apply Link - Click Here
SBI Cashback Credit Card Apply Link - Click Here
SBI BPCL Octane Credit Card Apply Link - Click Here
IDFC First Credit Card Apply Link - Click Here