Airtel Axis Bank Credit Card
CardIQ
Fair
Overall score, out of 100 · How this works
- Cashback68
- Rewards24
Customer reviews
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Pros & cons
What's good
- Earns cashback on eligible spending.
- No fee to add an additional cardholder.
Worth noting
- Joining fee ₹500 in year 1; annual fee ₹500 from year 2 onward, waived on annual spends greater than ₹2,00,000 (rent MCC 6513 and wallet load MCC 6540 excluded from qualifying spends). Add-on card annual fee waived. Taxes as per Government norms applicable on all fees.
- Earns no rewards points on spending.
- No balance transfer or introductory purchase offer.
Card details
The basics
- Additional cardholder fee
- ₹0 p.a.
- Card tier
- Not published
- Card type
- Not published
- Card use
- Personal
- Credit limit
- Not published
- Credit rating
- Not published
- Rewards program
- None
Eligibility
- Instant approval
- Not published
- Joint application
- Not published
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Resident of India
- Temporary residents
- Not published
Rates & fees
Ongoing interest rates
- Cash advances
- 45.00% p.a.
- Purchases
- 45.00% p.a.
Fees
- Additional cardholder fee
- ₹0
- Annual fee
- ₹500 p.a.
- Annual fee (year 2+)
- ₹500 p.a.
- Cash advance fee
- 2.5% of the amount
- Foreign transaction fee
- 3.5%
- Late payment fee
- ₹1,300
- Over limit fee
- ₹500
Repayments
- Interest-free period
- Not published
- Minimum repayment
- Not stated on page
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Cashback
- Ongoing cashback
- 1% on eligible spend
25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App; 10% cashback on utility bill payments via Airtel Thanks App; 10% value back on Zomato, Blinkit and District Movies (max ₹200 per partner per month); 1% cashback on all other spends. Cashback credited to statement.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Questions and answers
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Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuer
- Axis Bank