Airtel Axis Bank RuPay Credit Card Review: Low Fees, High Rewards, and Airtel-Centric Perks

Whether you’re an Airtel Thanks App regular or simply hunting for a low-fee credit card with solid bill-payment and lifestyle benefits, the Airtel Axis Bank RuPay Credit Card packs in value at every turn. In this review, we’ll break down fees, welcome bonuses, cashback structure, exclusive mid-week deals, and all the extras you need to know—so you can decide if this is the perfect fit for your wallet.

Key Highlights at a Glance

• Joining Fee & Annual Fee: Just ₹500 each

• Welcome Benefit: ₹500 Amazon e-voucher on first swipe

• Cashback on Airtel Bill Payments: 25% via Airtel Thanks App (up to ₹250/month)

• Utility Bill Cashback: 10% via Airtel Thanks App (up to ₹250/month)

• Preferred Merchant Cashback: 10% on Swiggy, Zomato, BigBasket (up to ₹500/month)

• All-Other Spends: 1% unlimited cashback

• Extra Perks: Domestic airport lounge access, dining discounts, easy EMI, fuel surcharge waiver, Wednesday Delight

1. Fees & Charges

Understanding the cost structure is crucial before applying:

2. Welcome Benefit

Kickstart your rewards journey:

• ₹500 Amazon e-Voucher upon your first transaction within 30 days of card issuance.

• Note: This offer excludes cards issued with a complimentary first year.

3. Cashback Structure

3.1 Airtel Bill Payments

• 25% cashback on Airtel mobile, broadband, WiFi & DTH bills via the Airtel Thanks App

• Cap: ₹250 per month

3.2 Utility Bill Payments

• 10% cashback on electricity, water, gas bills via the Airtel Thanks App

• Cap: ₹250 per month

• Effective Rate: After 1.25 -1.75% Airtel app utility fee, you net ~8.75 - 8.25% cashback

3.3 Preferred Merchant Offers

• 10% cashback at Swiggy, Zomato & BigBasket

• Cap: ₹500 per month (collectively)

3.4 Other Eligible Spends

• 1% cashback on all other purchases—no caps!

• UPI Bonus: Link to your favorite UPI app and still earn 1%

Exclusions: Fuel, jewelry, wallet loads, EMI conversions, rent, insurance, education, government services, or any utility payments made outside the Airtel Thanks App.

4. Extra Features & Benefits

4.1 Lounge Access

• 4 complimentary domestic airport lounge visits per calendar year

• Eligibility: Spend ≥ ₹50,000 in the previous 3 months

• Full list of lounges:
  View here

4.2 Dining Discounts

• Up to 15% off at over 4,000 partner restaurants nationwide

4.3 Easy EMI Conversion

• Convert purchases above ₹2,500 into EMI

4.4 Fuel Surcharge Waiver

• 1% waiver (max ₹500 per statement) on fuel spends of ₹400–₹4,000

4.5 Wednesday Delight Offers

Every Wednesday, unlock extra savings:

• Up to 15% instant discount on flights & hotels via Goibibo/MakeMyTrip

• 10% off Swiggy & Amazon Fresh orders

• Up to 10% off (max ₹1,000) on Tira offers

5. Exclusions & Conditions

Earning cashback depends on merchant category codes (MCCs). Non-eligible spends include:

• Fuel transactions

• Wallet top-ups & recharges

• Jewelry & rent payments

• Insurance, education fees

• Government services

• Utility payments outside the Airtel Thanks App

Always check your monthly statement to confirm your transactions fall within the eligible categories.

6. Who Should Apply?

This card is tailor-made for you if:

• You’re deeply integrated into the Airtel ecosystem and love the Thanks App

• You want a low-fee card with high cashback on utilities and daily spends

• Additional perks like lounge access, dining discounts, and Wednesday deals excite you

Conclusion

The Airtel Axis Bank RuPay Credit Card offers a balanced blend of low fees and robust cashback—especially if you’re an Airtel user. From generous bill-payment rewards to mid-week deals and airport perks, it covers all bases. If you’re seeking a cost-effective, Airtel-focused credit card that complements your digital lifestyle, this one deserves serious consideration.

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