Cardfare / Cards / Airtel Axis Bank Credit Card
Airtel Axis Bank Credit Card: rewards, caps and changes
What this card earns where, the caps that stop it, and what changed recently. Rates in the "Worth" column value one rupee of cashback at ₹1 (cashback credited to the card statement).
What it earns
| Where | Rate | Worth | Conditions | Source |
|---|---|---|---|---|
| Airtel | 25% back | 25% | 25% Airtel telecom cashback capped at 2x the 1% base cashback earned in the same statement month (no fixed ₹ amount; zero if no base spend) | Terms |
| Zomato (online) | 10% back | 10% | Zomato value back capped at ₹200 per month per primary card Min. ₹499 per transaction | Terms |
| Blinkit (online) | 10% back | 10% | Blinkit value back capped at ₹200 per month per primary card Min. ₹499 per transaction | Terms |
| District by Zomato (online) | 10% back | 10% | District Movies value back capped at ₹200 per month per primary card | Terms |
| Swiggy | 1% back | 1.0% | — | Terms |
| BigBasket | 1% back | 1.0% | — | Terms |
| Airtel Thanks app: electricity, gas & water bills | 10% back | 10% | 10% Airtel utility cashback capped at 1x the 1% base cashback earned in the same statement month (no fixed ₹ amount; zero if no base spend) | Terms |
| Everything else | 1% back | 1.0% | — | Terms |
| Fuel | No rewards | 0% | — | Terms |
| Bills & utilities | No rewards | 0% | — | Terms |
| Mobile & broadband Re-checking after a terms change | No rewards | 0% | — | Terms |
| Rent Re-checking after a terms change | No rewards | 0% | — | Terms |
| Wallet loads Re-checking after a terms change | No rewards | 0% | — | Terms |
| Jewellery Re-checking after a terms change | No rewards | 0% | — | Terms |
| Insurance premiums Re-checking after a terms change | No rewards | 0% | — | Terms |
| Education fees Re-checking after a terms change | No rewards | 0% | — | Terms |
| Tax & government Re-checking after a terms change | No rewards | 0% | — | Terms |
Recent changes
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New feeAxis Bank· since 28 August 2026
Axis raises top late-payment fee to ₹1,300
The late fee for outstanding balances above ₹50,000 rises to ₹1,300, while lower slabs are unchanged. Payments are now applied first to fees and taxes, then EMIs, interest, purchases and cash advances.
Applies across Axis Bank's cards
Source: Business Standard
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CutAxis Bank· since 12 April 2026
Airtel Axis ties cashback caps to base spend, drops Swiggy and lounges
The 25% Airtel cap is now twice the 1% base cashback earned that month, and the 10% utility cap equals the base cashback, replacing fixed ₹250 caps. The 10% cashback on Swiggy, Zomato and BigBasket became 10% value-back (max ₹200 per partner) on Zomato, Blinkit and District, and the 4 domestic lounge visits were removed.
Cards: Airtel Axis Bank Credit Card
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CutAxis Bank· since 1 October 2025
Axis forfeits unredeemed points 30 days after card closure
Axis can forfeit unredeemed EDGE Reward Points or EDGE Miles 30 days after a card is closed, or once the minimum due has been outstanding for more than 90 days. Redeem before closing the card.
Applies across Axis Bank's cards
Source: Live From A Lounge
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UpdateAxis Bank· since 20 June 2025
Axis defines reward exclusions by spend category instead of MCC
Axis now decides which spends are excluded from rewards, fee waivers and milestones using its own spend-category labels (Utility & Telecom, Rent, Wallet, etc.) rather than 4-digit merchant category codes. Axis said the list of excluded categories itself did not change.
Applies across Axis Bank's cards
Source: Live From A Lounge