Airtel Axis Bank Credit Card: Maximizing Your Cashback

[helloworld]

Key Features​

---

---

• 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

---

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: 12000 Paid annual fee: 590 Get cashback: 3000 Return: 20% //btw, airtel annual packs gives 15% discount.
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​

---

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 %​

---

Example Scenario:

• Airtel Plan Costs:
  • 2GB/day for 365 days: ₹3599
  • 2GB/day for 28 days: ₹349
    
• With Airtel Axis Credit Card (25% Discount):
  • 28-day cost: ₹262
  • Annual cost: ₹3141 (assuming no price changes).

Effective Savings:
Using the Airtel Axis card via the Airtel app gives an effective discount of 12% on Airtel recharges annually.

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)

Alternative or additional card (HSBC Live+): https://www.technofino.in/community/threads/hsbc-live-previously-cashback-benefits.17087/

 

[panchabhut]

Payment made on my electricity website gets tagged as "GOVT SERVICES." In 2023, I received 1% cashback with the Axis Airtel Credit Card for such payments.

I need to make a bill payment of ₹30,000.

Update : Government Services are now excluded from Cashback.

1. Will this be included in utility spends, which are free up to ₹25,000?
2. Will I receive cashback on this payment?

use AMZ CC if you have

 

[habibmy]

Payment made on my electricity website gets tagged as "GOVT SERVICES." In 2023, I received 1% cashback with the Axis Airtel Credit Card for such payments.

I need to make a bill payment of ₹30,000.

1. Will this be included in utility spends, which are free up to ₹25,000?
2. Will I receive cashback on this payment?

use AMZ CC if you have

Already used for 49k.

 

[karuturi24]

Can we use airtel card for axis Bank offers during sale time?

 

[Master Chief 117]

Can we use airtel card for axis Bank offers during sale time?

YES it works during sales for instant discounts

 

[GTSaketh]

Did Anybody got their CB this month? I always get CB on 7th. But i still haven't received it and my bill generation date is 12.

 

[habibmy]

Did Anybody got their CB this month? I always get CB on 7th. But i still haven't received it and my bill generation date is 12.

No . .

 

[GTSaketh]

Nevermind, I just received mine

 

[Master Chief 117]

Received 1% for Bigbasket order when i raised issue with customer care he was giving gyan that no where its mentioned it will be FLAT 10% cashback so according to him its UP TO 10% cashback so even if you get 1% you have to accept it, and then i said 'UP TO' is also not mentioned anywhere in T&Cs so how can you say that its up to and not Flat , he had no answer. After some awkward silence, he asked to put my call on hold. A while later, he came back and said he had arranged a call from a supervisor for better clarification. Let’s see what new explanation they come up with now

 

[Shaktimaan V2.0]

I faced similar issue last month. I have raised a compliant and they credited the cashback last month 28th.

 

[habibmy]

I faced similar issue last month. I have raised a compliant and they credited the cashback last month 28th.

What was the merchant name for the transaction?

 

[Shaktimaan V2.0]

Innovative retail .

 

[Master Chief 117]

I faced similar issue last month. I have raised a compliant and they credited the cashback last month 28th.

I faced issue with Bigbasket transaction in Jan too (Merchant name : CASHFREE PAYMENTS INDI,REBANGALOREKA), after raising the issue remaining cashback was credited on 28th

 

[Master Chief 117]

View attachment 86810
What was the merchant name for the transaction?

Did you get the correct cashback for 15 FEB Bigbasket transaction ?

 

[habibmy]

Did you get the correct cashback for 15 FEB Bigbasket transaction ?

NO, Phone banking officer checked and told me that i got 1% for that transaction and asked me to wait until the cashback gets credited.

 

[Shaktimaan V2.0]

They always say that. Once the cashback is credited next month, you'll need to raise a concern again. I experienced the same 2 times in the last 6 months.

 

[habibmy]

They always say that. Once the cashback is credited next month, you'll need to raise a concern again. I experienced the same 2 times in the last 6 months.

Yes, but they will not do anything before wrong cashback amount gets credited.

 

[Shaktimaan V2.0]

Yes, exactly .

 

[helloworld]

Received 1% for Bigbasket order when i raised issue with customer care he was giving gyan that no where its mentioned it will be FLAT 10% cashback so according to him its UP TO 10% cashback so even if you get 1% you have to accept it, and then i said 'UP TO' is also not mentioned anywhere in T&Cs so how can you say that its up to and not Flat , he had no answer. After some awkward silence, he asked to put my call on hold. A while later, he came back and said he had arranged a call from a supervisor for better clarification. Let’s see what new explanation they come up with now

better drop a mail.

btw, no bank in India afaik customer support even grievance levels know about complete features like user do. They only know the manuals provided to them and stick to it without updating or missed that day to learn about it. So, try alternative if one not in your favor.

 

[Reaper]

Is there any limit on cashback we get on the Airtel Axis card's UPI variant?

 

[helloworld]

Is there any limit on cashback we get on the Airtel Axis card's UPI variant?

no cap as of now