Airtel Axis Bank Credit Card

Annual fee

₹500 a year.

Joining fee

₹500 to join.

Fee waiver rule

Fee waived if you spend ₹2,00,000.

Add-on card fee

₹0

Welcome benefit

Get amazon eVoucher worth ₹250 on first transaction made within first 30 days of card issuance.

Reward rate

1% cashback · everyday spends1% cashback/base cashback on all other spends.

Fuel earning

No cashback is earned on fuel transactions.

Reward earning on dining spends

10% value back on Zomato, Blinkit and District Movies. (Max value back of ₹200 per partner per month, Mov of ₹499 applicable for Zomato and Blinkit)

Utilities earning

10% cashback on utility bill payments such as gas, electricity, etc., via Airtel Thanks App (Max cap p.m is the base cashback earned during the same statement month)

Reward exclusions

Cashback not applicable on excluded MCC categories

Reward caps

25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App (Max cap p.m is twice the base cashback earned during the same statement month)

Cashback redemption

Cashback will directly be credited in your credit card statement.

Movie or entertainment ticket benefit

10% value back on District Movies, max value back of ₹200 per partner per month.

Fuel surcharge waiver

1% fuel surcharge waiver on fuel purchases at all fuel stations across India.

Purchase to EMI conversion

Transactions of ₹1,500 or more can be converted into EMI.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5% + GST3.5% + taxes on international transactions performed in Indian currency at an international location or with merchants located in India but registered in a foreign nation

Cash advance fee

Min. ₹500 up to 2.5% of the cash withdrawal amount

Cash advance interest

3.75% per month (55.55% per annum) finance charges on cash and retail purchases.

Cash withdrawal limit

The cash advance limit assigned to the cardholder is lower than the credit limit and is included within the overall credit limit

Interest on unpaid balance

3.75% per month (55.55% per annum)

Interest-free period

The interest-free credit period could range from 20 to 50 days, depending on the date of transaction. Suspended if any balance from the previous month's bill is not paid by the due date.

Late payment fee

Nil if Total Payment Due is less than ₹500; ₹500 if total payment due is between ₹501 - ₹5,000; ₹750 if total payment due is between ₹5,001 - ₹10,000; ₹1200 if total payment due is between ₹10,001 - ₹50,000; ₹1300 if total payment due is greater than ₹50,000.

Over-limit fee

Min. ₹500 up to 2.5% of the over limit amount

Payment return or dishonour fee

2% of the payment amount subject to Min. ₹500 on cheque return, dishonour or auto-debit reversal

Statement or duplicate statement fee

Waived for a duplicate statement.

Card replacement fee

Nil for the primary card; ₹100 for an add-on card.

Cash payment / cash deposit fee

₹175 per cash payment

Cheque payment / dishonour fee

Outstation cheque fee: Waived

Education / school fee charge

1% fee per transaction on education payments made via third party apps, applicable from 20th Dec, 2024

Fee on online skill-based gaming spends

1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming platforms per statement cycle, applicable from 20th Dec, 2024

Reward redemption fee

No

Wallet load charge

1% fee on cumulative wallet load spends of ₹10,000 or more per statement cycle, applicable from 20th Dec, 2024

What the card's fee or benefit year means

Anniversary Year is the period of 12 months from the date of issuance of the card and every 12-month period thereafter

Fuel transaction fee

1% fee on cumulative fuel spends of ₹50,000 or more per statement cycle, applicable from 20th Dec, 2024

Rent transaction fee

1% fee per transaction on rental transactions.

Utility transaction fee

1% fee on cumulative utility spends of ₹25,000 or more per statement cycle, applicable from 20th Dec, 2024

GST note

Taxes as per Government norms apply on all fees and charges

Grace days after the due date

Grace period of 3 days from the payment due date, where payments are not overdue; the customer must clear dues by the payment due date mentioned in the credit card Statement.

Minimum amount due

Sum of all instalments, all fees, interest / finance charges, taxes, the amount utilized over the credit limit (if any) and 2% of the remaining balance outstanding, subject to a minimum of ₹100

Minimum age

Primary cardholder should be between the age of 18 and 70 years.

Documents required

PAN card copy or Form 97, residence proof, identity proof, a colour photograph and proof of income (latest payslip / Form 16 / IT return copy)

Residency

Resident of India