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Cashback Utility Bills

4.5/5 Editorial Score

Airtel Axis Bank Credit Card

25% cashback on Airtel recharges & 10% on utilities and food delivery

Best Suited For

Airtel Subscribers, Utility Bill Payers & Routine Food Delivery

Cashback Utility Bills

Joining Fee

₹500

One-time upfront

Annual Fee

₹500

Waived on ₹2 lakh annual spend

Base Rewards

25% on Airtel, 10% on utilities, 10% on Swiggy/Zomato/BigBasket, 1% others

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

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Last verified 2 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.5/5 Editorial Score

The Airtel Axis Bank Credit Card is one of the highest-yielding utility and essential cashback cards in the Indian market for Airtel users. Cardholders earn 25% cashback on Airtel mobile recharges, Wi-Fi, broadband, and DTH payments when executed via the Airtel Thanks App, alongside 10% cashback on electricity, water, and gas utility bill payments (also through Airtel Thanks). It additionally provides 10% value back on everyday food and grocery partners (Swiggy, Zomato, BigBasket/Blinkit) and 1% base cashback on all other eligible spends. Cashback is credited automatically to your monthly statement balance. The card's limitations center on strict category monthly caps (typically ₹250/month on Airtel and ₹250/month on utilities, subject to bank capping formulas), the requirement to route payments exclusively through the Airtel Thanks App, and the absence of airport lounge access. Who it is best for: Households using Airtel broadband or multiple Airtel mobile connections who also pay recurring monthly utility bills. Who should avoid it: Non-Airtel consumers (Jio/Vi users) or spenders who do not pay utility bills online.

Ideal For:Airtel Subscribers, Utility Bill Payers & Routine Food Delivery

Cashback Utility Bills

Card Strengths

25% direct cashback on Airtel mobile, broadband, and DTH payments via the Airtel Thanks App
10% cashback on utility bill payments (electricity, gas, water) via Airtel Thanks App
10% cashback on popular food delivery and grocery platforms including Swiggy, Zomato, and BigBasket
Automatic monthly statement cashback credit with zero redemption fees
Easily offsets its ₹500 annual fee with regular monthly household bills

Things to Keep in Mind

25% recharge and 10% utility cashback require payments strictly through the Airtel Thanks App
Category cashback is constrained by monthly caps, limiting returns for heavy utility spenders
No complimentary airport lounge access
₹2,00,000 annual spend required to waive the ₹500 renewal fee

Additional Cardholder Privileges

Rewards

25% Cashback On Airtel Recharges (Capped At 2× Base Cashback In Same Statement Month). 10% Cashback On Utility Bills (Capped At Base Cashback In Same Statement Month). 10% Value Back On Zomato, Blinkit & District (Up To ₹200 Per Partner Per Month). 1% Cashback On All Other Spends

Welcome

Welcome Benefit 1

Amazon Voucher Worth ₹250

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: Airtel Axis Direct Cashback
Reward Currency: Cashback
Base Earn Rate: 25% on Airtel, 10% on utilities, 10% on Swiggy/Zomato/BigBasket, 1% others
Redemption Method: Automatic statement credit or checkout discount

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Airtel Services (Mobile/DTH/Broadband)	25% cashback via Airtel Thanks App, max ₹250/month	250 INR (₹)/mo	Standard terms apply
Utility Bill Payments (Gas/Electricity/Water)	10% cashback via Airtel Thanks App, max ₹250/month	250 INR (₹)/mo	Standard terms apply
Preferred Merchants (Swiggy, Zomato, BigBasket)	10% cashback, max ₹500/month combined	500 INR (₹)/mo	Standard terms apply
All Other Spends	1% unlimited cashback on other eligible retail spends	No Cap	Standard terms apply

Featured Merchant HubsAll Merchants

Blinkit Hub Zomato Hub Zepto Hub BigBasket Hub Ola Hub District Hub

Estimate Your Custom Monthly Rewards

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

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Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Airtel Services (Mobile/DTH/Broadband)25.00%

Cap: ₹250/monthly

₹

Utility Bill Payments (Gas/Electricity/Water)10.00%

Cap: ₹250/monthly

₹

Preferred Merchants (Swiggy, Zomato, BigBasket)10.00%

Cap: ₹500/monthly

₹

All Other Spends1.00%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Airtel Services (Mobile/DTH/Broadband)	₹4,000	25% cashback via Airtel Thanks App, max ₹250/month	—	₹250/monthly	Calculating...	Under cap
Utility Bill Payments (Gas/Electricity/Water)	₹4,000	10% cashback via Airtel Thanks App, max ₹250/month	—	₹250/monthly	Calculating...	Under cap
Preferred Merchants (Swiggy, Zomato, BigBasket)	₹4,000	10% cashback, max ₹500/month combined	—	₹500/monthly	Calculating...	Under cap
All Other Spends	₹18,000	1% unlimited cashback on other eligible retail spends	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹500

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹500 annual fee.

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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹500
Annual / Renewal Fee (2nd Year Onwards): ₹500
Annual Spend Fee Waiver: Waived on ₹2 lakh annual spend
Fee Terms Notes: Fee waived on ₹2,00,000 annual spend

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

Cashback Structure: 25% cashback on Airtel mobile recharges, broadband, Wi-Fi, and DTH via the Airtel Thanks App (capped monthly). 10% cashback on utility bills (electricity, water, piped gas) via the Airtel Thanks App (capped monthly). 10% on partner merchants (Swiggy, Zomato, BigBasket/Blinkit). 1% base cashback on other eligible retail spends. Settlement: Direct monthly statement credit without reward redemption fees. Fee & Waiver: Joining fee ₹500 + GST; renewal fee ₹500 + GST. Waived on cumulative eligible retail spends of ₹2,00,000 in the preceding anniversary year. Lounge Access: No complimentary airport lounge visits included. Exclusions: Fuel spends, wallet reloads, rent payments, educational fees, government services, jewellery purchases, and cash advances do not accrue cashback.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹500 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding Airtel Axis Bank Credit Card application, fees, reward redemption, and eligibility

Can non-Airtel users benefit from the Airtel Axis Bank Credit Card?

While anyone can apply, the flagship 25% cashback applies strictly to Airtel mobile, broadband, and DTH bills. Non-Airtel users can still earn 10% on electricity/utility bills via the Airtel Thanks App and 10% on food delivery, but the card's maximum value is realized by Airtel subscribers.

What is the monthly cashback cap on Airtel recharges and utilities?

Cashback on Airtel mobile and broadband is subject to a monthly ceiling (typically ₹250/month), and utility bill payments are subject to a separate monthly cap (typically ₹250/month), credited directly to your statement.

How do I get the 10% utility cashback?

To earn 10% cashback on utility payments (such as electricity, piped gas, and water), you must pay your bills through the Airtel Thanks App using your Airtel Axis Bank Credit Card.

How is the annual renewal fee waived on Airtel Axis?

The annual fee of ₹500 + GST is waived if you spend ₹2,00,000 or more in eligible retail transactions during the preceding card anniversary year.

What is the joining and annual renewal fee for Airtel Axis Bank Credit Card?

The joining fee for Airtel Axis Bank Credit Card is ₹500 (one-time), and the annual renewal fee is ₹500 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on Airtel Axis Bank Credit Card be waived?

Yes, the annual renewal fee of ₹500 is waived upon achieving annual spends of ₹2 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on Airtel Axis Bank Credit Card?

Airtel Axis Bank Credit Card offers 25% on Airtel, 10% on utilities, 10% on Swiggy/Zomato/BigBasket, 1% others. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does Airtel Axis Bank Credit Card offer complimentary airport lounge access?

No, Airtel Axis Bank Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.