Airtel Axis Bank Credit Card: Maximizing Your Cashback

[helloworld]

Key Features​

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• 25% Cashback on Airtel Payments
  • Categories: Airtel (Prepaid, Postpaid, Wi-Fi, Black, DTH) bills via airtel app.
  • Cashback Cap: ₹250 per statement (limit reached if spent ₹1000).
• 10% Cashback on Utility Bill Payments
  • Categories: Electricity, Gas, Water etc. via airtel app.
  • Cashback Cap: ₹250 per statement (limit reached if spent ₹2500).
• 10% Cashback on Zomato, Swiggy, BigBasket
  • Categories: BigBasket (SuperSaver, BB Now), Swiggy (Food, Dineout), Zomato (Food, Dining)
  • Cashback Cap: ₹500 per statement (limit reached if spent ₹5000).
  • Categories not eligible for 10% Cashback:
    • BigBasket: 'The Beauty Store', 'Fresho! Meats', etc.
    • Swiggy: 'Instamart', 'Genie', etc.
    • Zomato: 'Zomaland', 'Blinkit', etc.
• 1% Cashback on All Other Spends
  • No Cap on the cashback amount.
  • Categories not eligible for 1% Cashback:
    • Fuel | EMI | Wallet Loading | Jewelry | Rent | Govt. services | Insurance | Education.
    • Utility spends not done via airtel app.
• Additional Benefits
  • Airport Lounge Access: 4 complimentary domestic lounge visits per year (50k/Q* spends required).
  • Fuel Surcharge Waiver: 1% waiver on fuel transactions across India (min. 400 per transaction).
  • Annual Fee: ₹500 (waived on spending ₹2 lakhs in a year).

Spend Calculations

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Scenario	Return %	Only on that Category Return %
Spend only on 25% Airtel Payments	Spend: 12000 Paid annual fee: 590 Get cashback: 3000 Return: 20%
Spend on 25% Airtel Payments + 10% Utilities	Spend: 42000 Paid annual fee: 590 Get cashback: 6000 Return: 13%	Spend: 30000 Paid annual fee: 590 Get cashback: 3000 Return: 8%
Spend on 25% Airtel Payments + 10% Utilities + 10% Preferred App	Spend: 102000 Paid annual fee: 590 Get cashback: 12000 Return: 11%	Spend: 60000 Paid annual fee: 590 Get cashback: 6000 Return: 9%
after fully utilized above categories, spend remaining to get fee waiver	Spend: 200000 Paid annual fee: 0 Get cashback: 12980 Return: 6%

How to Maximize Your Rewards​

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1. Utilize the Airtel Thanks App: Make all your Airtel payments and utility bill payments through the app to earn higher cashback.
2. Plan Dining and Grocery Spends: Use the card on Zomato, Swiggy, and BigBasket to get 10% cashback.
3. Don't Aim for Annual Fee Waiver: Pay annual fee to get higher %, know when to stop using card.

Note: Above calculations assumed only if one spends on mentioned categories fully every month for whole year. which is a rare scenario, so consider your spends and calculate 50%-80% reward rate based on that.

Realistic Return %​

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Note: An example scenario

airtel 2GB/day for 365 days cost: ₹3599
2GB/day for 28 days cost: ₹349 (with airtel card we're getting 25% discount, so actually we're paying ₹262 which means annually paying ₹3141 (hopefully no devaluation by that time))

so, actual % we're getting for airtel recharges using airtel app when paid through airtel axis credit card: 12%

If we consider that value, then spend on 12% Airtel Payments + 10% Utilities + 10% Preferred App = 9.65%
or spent whole 2 Lacs = 5.71%

// Best card for up-to 2L annual spends (when fully utilized airtel bills, utility and preferred partner app benefits)

 

[6ix9ine]

Very well written, nicely done

 

[CyberPsych]

Some people say recharging for Jio number through Airtel Thanks App gives 10% (hit or miss). If it gives, is it considered under recharges category's limit (should give 25% but gives only 10%) and calculated for 250/month or it is considered as a utility payment category?

I am already recharging for ₹1000+ every month for my family members Airtel numbers. So, no point in recharging my Jio number too as I already crossed the spend limit but not maximising utility 10%

 

[Slayer]

Only chortel bills are eligible for 25% anything else is 10%, OP should correct this in original post

Also best card to only pay chortel bills and spend on utility - 500 cashback each month for 3500 spend is just too good

 

[panchabhut]

Effective 1st May 2024, access to domestic airport lounges is based on a minimum eligible spend of Rs.50,000 in the previous 3 calendar months

 

[helloworld]

Some people say recharging for Jio number through Airtel Thanks App gives 10% (hit or miss). If it gives, is it considered under recharges category's limit (should give 25% but gives only 10%) and calculated for 250/month or it is considered as a utility payment category?

I am already recharging for ₹1000+ every month for my family members Airtel numbers. So, no point in recharging my Jio number too as I already crossed the spend limit but not maximising utility 10%

last I checked it 10%, but technically depends on MID, which can alter to 25% if you're lucky.

 

[panchabhut]

Some people say recharging for Jio number through Airtel Thanks App gives 10% (hit or miss). If it gives, is it considered under recharges category's limit (should give 25% but gives only 10%) and calculated for 250/month or it is considered as a utility payment category?

I am already recharging for ₹1000+ every month for my family members Airtel numbers. So, no point in recharging my Jio number too as I already crossed the spend limit but not maximising utility 10%

There is no "recharge" category. Only Airtel (25% upto 250) and other utilities (10% upto 250%)

 

[helloworld]

Only chortel bills are eligible for 25% anything else is 10%, OP should correct this in original post

25% Cashback on Airtel Payments

• Categories: Airtel mobile, broadband, DTH bills, and recharges via the airtel app.

anything need correction here?

 

[panchabhut]

anything need correction here?

Its payment for Airtel postpaid/prepaid, Airtel Broadband and Airtel DTH via Airtel app

 

[s1t2y3a3m6]

Some people say recharging for Jio number through Airtel Thanks App gives 10% (hit or miss). If it gives, is it considered under recharges category's limit (should give 25% but gives only 10%) and calculated for 250/month or it is considered as a utility payment category?

I am already recharging for ₹1000+ every month for my family members Airtel numbers. So, no point in recharging my Jio number too as I already crossed the spend limit but not maximising utility 10%

Bas axis family me ek hi rozgar wala bacha hai

 

[Slayer]

Bas axis family me ek hi rozgar wala bacha hai

Factos . .

 

[CyberPsych]

There is no "recharge" category. Only Airtel (25% upto 250) and other utilities (10% upto 250%)

That is what I am referring to, but put up wrongly (because what I consider is recharge for Airtel sim, recharge Airtel DTH, Airtel broadband)

 

[ujjwal2024]

yes, this is great card...I think it is best for Monthly 1000 cashback on spending of Rs. 8500 ( 1000 on airtel + 2500 on utility and 5000 on swiggy, zomato and bigbasket)...
But the problem is 1) for swiggy, zomato and bigbasket, few other DC and CC are giving accational 15% to 20% instant cashback (like this month PNB CC is giving 15%)
2) for utility and airtel the cap is very low for genuine use also...I get monthly Rs.5000 electricity bill
but it is still good

 

[ksaravanan48]

Anyone facing cashback issue with Airtel axis card for utility payment.
From Last onwards, I didn't get cashback for insurance bill payment. Spoke to Customer care, they saying merchent code as changed from Airtel payment bank to airtel66. So airtel66 not consider as cashback.

 

[helloworld]

Anyone facing cashback issue with Airtel axis card for utility payment.
From Last onwards, I didn't get cashback for insurance bill payment. Spoke to Customer care, they saying merchent code as changed from Airtel payment bank to airtel66. So airtel66 not consider as cashback.

• • Categories not eligible for 1% Cashback:
    • Fuel | EMI | Wallet Loading | Jewelry | Rent | Govt. services | Insurance | Education.
    • Utility spends not done via airtel app.

. . .