AIRTEL AXIS BANK RUPAY CREDIT CARD: 7 POWERFUL BENEFITS, REWARDS & CHARGES
Kavya Patel
If you are an Airtel customer and regularly pay your mobile, broadband, WiFi or DTH bills, the Airtel Axis Bank RuPay Credit Card can be worth considering.
The biggest reason is simple — the card offers cashback on some of the expenses many people already make every month. You can get cashback on eligible Airtel payments, utility bills, food orders, groceries, movie bookings and even eligible RuPay UPI transactions.
But is the card really worth applying for?
In this article, we will look at the Airtel Axis Bank RuPay Credit Card benefits, cashback offers, annual charges, eligibility, documents required and the important things you should know before applying.
Airtel Axis Bank RuPay Credit Card Benefits
The Airtel Axis Bank RuPay Credit Card is mainly useful for people who already use Airtel services and want cashback on regular monthly spending.
Here are the major benefits of the card.
1. Get 25% Cashback on Airtel Payments
One of the biggest benefits of the Airtel Axis Bank RuPay Credit Card is the cashback on Airtel services.
You can get 25% cashback on eligible payments for:
- Airtel Mobile
- Airtel Broadband
- Airtel WiFi
- Airtel DTH
These payments need to be made through the Airtel Thanks app and cashback is subject to the applicable monthly limit.
So, if you already pay Airtel bills every month, this benefit can help you save money on expenses you would make anyway.
2. Get 10% Cashback on Zomato, Blinkit and District Movies
Do you regularly order food or groceries online?
The card also offers 10% cashback on eligible transactions with:
- Zomato
- Blinkit
- District Movies
The cashback is applicable to eligible E-commerce transactions and is capped at ₹200 per partner per month, according to the information provided.
This can be a good benefit for people who frequently order food, shop for groceries or book movie tickets online.
3. Get 10% Cashback on Utility Bill Payments
Paying utility bills is something almost everyone has to do every month.
With the Airtel Axis Bank RuPay Credit Card, you can earn 10% cashback on eligible utility payments such as:
- Electricity bills
- Gas bills
The payment needs to be made through the Airtel Thanks app and the cashback is subject to the applicable monthly cap.
If you already use the Airtel Thanks app for bill payments, this can add some extra value to the card.
4. Earn 1% Cashback on RuPay UPI Transactions
The RuPay version of the Airtel Axis Bank Credit Card also allows you to make eligible UPI payments using your credit card.
You can earn 1% cashback on eligible RuPay UPI transactions under the applicable terms.
This makes the card useful for people who prefer using UPI for their daily payments.
5. Get 1% Fuel Surcharge Waiver
The card also offers a 1% fuel surcharge waiver across India.
The benefit is applicable to eligible fuel transactions between ₹400 and ₹4,000.
The maximum fuel surcharge waiver is capped at ₹500 per statement.
While this may not be the main reason to apply for the card, it is still a useful additional benefit for regular fuel purchases.
Airtel Axis Bank RuPay Credit Card Fees and Charges
Before applying for any credit card, it is important to check the annual charges.
Here is a quick look at the Airtel Axis Bank RuPay Credit Card charges.
| Charges | Details |
|---|---|
| Joining Fee | Nil in the first year under the limited-time offer |
| Annual Fee | ₹500 + GST from the second year |
| Annual Fee Waiver | Available on annual spending of ₹2,00,000 or more |
| Fuel Surcharge Waiver | 1%, subject to applicable terms and limits |
Is the Airtel Axis Bank RuPay Credit Card Lifetime Free?
No, the card is not permanently lifetime free based on the information provided.
The first-year joining fee is Nil under the limited-time offer. From the second year, an annual fee of ₹500 + GST applies.
However, you can get the annual fee waived if you spend ₹2,00,000 or more during the previous year.
So, if you regularly use your credit card and can meet the spending requirement, you may be able to avoid paying the annual fee.
Airtel Axis Bank RuPay Credit Card Eligibility
Before applying, you should check whether you meet the basic eligibility requirements.
Age Requirement
You should be between 21 and 65 years old.
Employment
The card is available for:
- Salaried individuals
- Self-employed individuals
Minimum Income
For salaried applicants, the minimum monthly income mentioned is ₹25,000.
For self-employed applicants, the required ITR is mentioned as more than ₹3,60,000 per year.
Credit Score
A credit score of 735 or above is mentioned in the eligibility information.
However, having a good credit score does not guarantee approval. The final decision depends on the bank’s internal eligibility criteria.
New-to-Credit Applicants
According to the information provided, applicants who are new to credit are not eligible.
Documents Required for Airtel Axis Credit Card
You may need the following documents while applying.
ID Proof
- PAN Card
- Form 60, where applicable
Address Proof
- Aadhaar Card
- Passport
- Eligible utility bill
Income Proof
- Salary slips
- Bank statements
- ITR for self-employed applicants
Photograph
- Recent passport-sized photograph
The bank may ask for additional documents depending on your application and verification requirements.
Airtel Axis Credit Card RuPay or Mastercard: Which Is Better?
Many people ask whether the Airtel Axis credit card RuPay or Mastercard is better.
The answer mainly depends on how you use your card.
If you regularly make UPI payments and want the convenience of using your credit card for eligible UPI transactions, the RuPay version may be more useful.
| RuPay | Mastercard |
|---|---|
| Suitable for eligible credit card UPI payments | Suitable for regular card transactions |
| 1% cashback on eligible RuPay UPI purchases | UPI credit card benefit may not be available |
| Good for people who frequently use UPI | Good for traditional card usage |
| Useful for everyday small payments | Useful for online and offline card spending |
If UPI is a major part of your daily spending, the Airtel Axis Bank RuPay Credit Card may be the better choice for you.
Airtel Axis Bank RuPay Credit Card Pros and Cons
| Pros | Cons |
|---|---|
| 25% cashback on eligible Airtel payments | Cashback comes with monthly limits |
| 10% cashback on eligible Zomato transactions | Cashback categories may change based on terms |
| 10% cashback on eligible Blinkit transactions | Annual fee applies from the second year |
| 10% cashback on eligible District Movies transactions | ₹500 + GST annual fee if spending waiver is not achieved |
| Cashback on eligible utility bill payments | Utility cashback is capped |
| 1% cashback on eligible RuPay UPI transactions | 1% UPI cashback may not apply to all transactions |
| 1% fuel surcharge waiver | Fuel surcharge waiver has transaction limits |
| First-year joining fee is Nil under the limited-time offer | New-to-credit applicants are not eligible based on the provided information |
| Annual fee waiver on ₹2 lakh annual spending | Existing or previous Axis Credit Card holders may not qualify for the first-year-free offer |
| Good option for Airtel customers | Best value depends on your spending pattern |
Who Should Apply for the Airtel Axis Bank RuPay Credit Card?
The card can be a good choice if you:
- Use Airtel Mobile, Broadband, WiFi or DTH.
- Pay your Airtel bills through the Airtel Thanks app.
- Regularly order food from Zomato.
- Shop for groceries through Blinkit.
- Frequently book movies.
- Pay electricity or gas bills.
- Prefer using UPI for daily payments.
- Spend enough every year to qualify for the annual fee waiver.
Who May Not Find This Card Useful?
The card may not be the best option if:
- You do not use Airtel services.
- You cannot take advantage of the cashback categories.
- You do not spend enough to get the annual fee waived.
- You are looking for unlimited cashback without category limits.
- You are new to credit and do not meet the eligibility requirements.
Is the Airtel Axis Bank RuPay Credit Card Worth It?
In my opinion, the Airtel Axis Bank RuPay Credit Card can offer good value if your regular monthly spending matches its cashback categories.
The biggest advantage is the high cashback offered on eligible Airtel services. The additional benefits on Zomato, Blinkit, District Movies, utility payments and RuPay UPI transactions make the card more useful for everyday spending.
However, you should not apply for the card only because of the high cashback percentage. Always check the monthly cashback limits and calculate how much you can realistically save.
For an Airtel customer who uses UPI regularly, this card can be a practical cashback credit card.
Frequently Asked Questions
What are the features of Airtel Axis RuPay Card?
The main features include cashback on eligible Airtel payments, selected Zomato, Blinkit and District Movies transactions, utility bill payments, eligible RuPay UPI transactions and a fuel surcharge waiver.
What are the rules for RuPay Credit Card?
RuPay credit cards can be used for eligible online and offline transactions and, where supported, can also be linked for credit card UPI payments. The exact rules depend on the card issuer and the latest terms and conditions.
What are the benefits of Axis RuPay Credit Card?
Benefits depend on the specific Axis Bank RuPay card. The Airtel Axis Bank RuPay Credit Card offers cashback on selected Airtel services, eligible partner transactions, utility bills and eligible RuPay UPI payments.
What is the welcome benefit offer on the Airtel RuPay Credit Card?
Based on the information provided, the card offers a Nil first-year joining fee under a limited-time offer for eligible applicants.
Applicants who currently hold or have previously held an Axis Credit Card may not be eligible for this offer.
What is the annual fee of the Airtel Axis Bank RuPay Credit Card?
The annual fee is ₹500 + GST from the second year onwards.
The fee can be waived if you spend ₹2,00,000 or more in the previous year, subject to the applicable terms.
What is the Airtel Axis credit card limit?
The credit limit is not fixed for every applicant. Axis Bank generally decides the credit limit based on factors such as your income, credit history, existing loans and internal credit policies.
Is the Airtel Axis Bank RuPay Credit Card good for UPI?
Yes, it can be useful for people who regularly use UPI. According to the provided information, eligible purchases made through RuPay UPI can earn 1% cashback.
