helloworld
TF Legend
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
- Utilize the Airtel Thanks App: Make all your Airtel payments and utility bill payments through the app to earn higher cashback.
- Plan Dining and Grocery Spends: Use the card on Zomato, Swiggy, and BigBasket to get 10% cashback.
- 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 %
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/
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