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).

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• 10% Cashback on Utility Bill Payments
  • Categories: Electricity, Gas, Water etc. via airtel app.
  • Cashback Cap: ₹250 per statement (limit reached if spent ₹2500).

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• 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.

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• 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.

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• 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).

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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: 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​

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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)

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

 

[rohit911]

Hii,
I recently got this card .
Now Can I apply add on card ?

 

[helloworld]

Hii,
I recently got this card .
Now Can I apply add on card ?

thats a whole level different process. btw, benefits are combinedly for both primary and addon, so no extra benefit for add-on cards except amzn/fk etc. 10% axis offers.

 

[rohit911]

thats a whole level different process. btw, benefits are combinedly for both primary and addon, so no extra benefit for add-on cards except amzn/fk etc. 10% axis offers.

Actually I want to give this card to my son as he will be living away from home for higher studies.
( he manages my family's recharges.)
So I was thinking to give him the add-on card, or should I just change the mobile number in the card and give him the original card (if that's possible) ?

 

[helloworld]

Actually I want to give this card to my son as he will be living away from home for higher studies.
( he manages my family's recharges.)
So I was thinking to give him the add-on card, or should I just change the mobile number in the card and give him the original card (if that's possible) ?

you can apply add-on using netbanking/mobile app, follow the process. If any stage it got stuck due to insufficient docs (mostly not, if add-on holder already have axis account its very easy, otherwise also ok to get through netbanking/mobile app) then have to visit branch and thats a lengthy process. But first try through netbanking and see whether its working for you or not.

Axis Atlas Thread 'How to apply Axis add on credit card? I dont see option in mobile app.'

Apr 9, 2024

I don't see this option anywhere in app to apply for add on credit card for my atlas credit card. Please help.

• Aravind P
• Replies: 21
• Forum: Axis Bank Credit Card

 

[Enthusiast]

I have master card variant (paid)...

Anyone successfully converted into Rupay variant or Life time free recently? If yes, Let us know the process you followed

 

[6ix9ine]

I have master card variant (paid)...

Anyone successfully converted into Rupay variant or Life time free recently? If yes, Let us know the process you followed

They don't issue rupay cards anymore. Initially, they did but later on revoked. Many people have been trying to issue the same but Axis is rejecting it.

 

[Master Chief 117]

1) If i reach max cashback of ₹250 in both category (25% & 10%) and do another transaction of either Airtel or any Utility Bill will i now get 1% Cashback or no cashback at all ?

2) If I buy a smartphone from Amazon/Flipkart will i get 1% Cashback ?

 

[tachniki]

1) If i reach max cashback of ₹250 in both category (25% & 10%) and do another transaction of either Airtel or any Utility Bill will i now get 1% Cashback or no cashback at all ?

No

2) If I buy a smartphone from Amazon/Flipkart will i get 1% Cashback ?

Yes

Additionally, try axis 'grab deal' for some additional cashback for Flipkart/amazon. That comes as cashback in about 4 months.

 

[helloworld]

1) If i reach max cashback of ₹250 in both category (25% & 10%) and do another transaction of either Airtel or any Utility Bill will i now get 1% Cashback or no cashback at all ?

2) If I buy a smartphone from Amazon/Flipkart will i get 1% Cashback ?

For eg. If the customer spends Rs. 30,000 in a billing cycle with the following break up of spends of
i) Recharge through Airtel Thanks App: Rs. 2,500
ii) Utility Bill payment through Airtel Thanks App: Rs. 2,500
iii) Swiggy, Zomato & Bigbasket: Rs. 5,000
iv) Other spends: Rs. 20,000.

Out of these “Other spends”, Rs. 10,000 was an EMI purchase.

Thus, the total spends eligible for cashback would only be Rs. 2,500 + Rs. 2,500 + 5,000+ {Rs.20,000 – Rs. 10,000 (EMI transaction)} Rs. 10,000 = 20,000

The cashback for the billing cycle in example would be calculated as follows:
25% of Rs. 2,500 = Rs. 625 (since it is capped at Rs.250 per month, eligible cashback will be Rs.250)
10% of Rs. 2,500 = Rs. 250
10% of Rs. 5,000 = 500
1% of Rs. 10,000 = Rs. 100

Thus, the total cashback for the example would be Rs. 250+250+500+100 = Rs. 1,100

https://www.axisbank.com/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-cashback-for-airtel-axis-bank-credit-card.pdf

 

[Master Chief 117]

axis 'grab deal' for some additional cashback

Will there be any confirmation for grab deal cashback or do i just wait for 90-120 days and hope cashback will be credited ?

 

[tachniki]

Will there be any confirmation for grab deal cashback or do i just wait for 90-120 days and hope cashback will be credited ?

Wait and watch. Not like cashkaro.

 

[helloworld]

Will there be any confirmation for grab deal cashback or do i just wait for 90-120 days and hope cashback will be credited ?

Post in thread 'Grabdeals portal with Flipkart Axis card 5% CB OR 10% OR 15%'

Jan 18, 2024

And one more question. The offer says 10% CB on

What if Use my flipkart axis card?
Won't I get 15% CB ?
Wouldn't it be easier to track?

I hope this simplifies...

treat Grabdeal is an affiliate site, where you have to launch tht website using their tracker URL.

then once you're in FK, Amzn - browse and purchase the product you want.

After some days (mostly once return period over) and if product not returned and you purchased the product with their tracker, Grabdeal will provide the cashback.

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Unlike other affiliate sites, Grabdeal provides either cashback or...

• helloworld

• 
• 

. . .

 

[ujjwal2024]

For eg. If the customer spends Rs. 30,000 in a billing cycle with the following break up of spends of
i) Recharge through Airtel Thanks App: Rs. 2,500
ii) Utility Bill payment through Airtel Thanks App: Rs. 2,500
iii) Swiggy, Zomato & Bigbasket: Rs. 5,000
iv) Other spends: Rs. 20,000.

Out of these “Other spends”, Rs. 10,000 was an EMI purchase.

Thus, the total spends eligible for cashback would only be Rs. 2,500 + Rs. 2,500 + 5,000+ {Rs.20,000 – Rs. 10,000 (EMI transaction)} Rs. 10,000 = 20,000

The cashback for the billing cycle in example would be calculated as follows:
25% of Rs. 2,500 = Rs. 625 (since it is capped at Rs.250 per month, eligible cashback will be Rs.250)
10% of Rs. 2,500 = Rs. 250
10% of Rs. 5,000 = 500
1% of Rs. 10,000 = Rs. 100

Thus, the total cashback for the example would be Rs. 250+250+500+100 = Rs. 1,100

You can now slowly think of writting journal papers (academic) or newspaper article....Just my thought...

 

[helloworld]

You can now slowly think of writting journal papers (academic) or newspaper article....Just my thought...

Haha, I wish I could take credit for that sample example, but it’s actually copy-pasted from a T&Cs link! 😄 Appreciate the compliment though!

happy to help!

 

[C_R]

Sometimes, while trying to pay Airtel landline, upfront cashback amount is not shown. Will it be eligible for 25% cashback?
When I tried another Airtel number, cashback amount was shown. So confused.

Is it mandatory to click on Apply to get cashback?

 

[helloworld]

Sometimes, while trying to pay Airtel landline, upfront cashback amount is not shown. Will it be eligible for 25% cashback?
When I tried another Airtel number, cashback amount was shown. So confused.

Is it mandatory to click on Apply to get cashback?

don't worry here, axis will credit if MID matches in statement. coupon apply not needed.

 

[pavan000]

Cashback is per billing cycle right and nit per calendar month?

 

[jk51]

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

For 1) best use is to load bb wallet once and utilise it the entire month in both big basket and bbnow through Tata Neu. Approx 15%

Can also be used for Swiggy Dineout where minimum threshold for discount is not reached for HDFC or other cards.

 

[helloworld]

Cashback is per billing cycle right and nit per calendar month?

Post in thread 'SC Smart Cashback Query'

Jun 23, 2024

So cashback capping of 1000 is per calendar month and not per billing cycle?

sc, hdfc, amex - calendar month.

axs, Yes, hsbc, bob - billing cycle.

• helloworld

• 

. . .

 

[vine]

For 1) best use is to load bb wallet once and utilise it the entire month in both big basket and bbnow through Tata Neu. Approx 15%

How to load bb wallet from Tata Neu app at 15% discount??