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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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/

 

[hellobois]

tatanue -> categories-> bigbasket or bb now

order and pay as usual. get 5% nuecoins once order delivered, you'll get email also.

note: nue coins only eligible amount.

its been more than 3 years and still getting 5%.

5% neucoins + 10% cashback on Airtel credit card? So net 15% over and above running discount. That's a good deal 🤝 😀

 

[panchabhut]

5% neucoins + 10% cashback on Airtel credit card? So net 15% over and above running discount. That's a good deal 🤝 😀

Axis provides 10% for direct bigbasket but many times only provide 1% for payment via tataneu

 

[hellobois]

Axis provides 10% for direct bigbasket but many times only provide 1% for payment via tataneu

That's why I took HSBC Live+. No issues in cashback.

 

[vine]

Folks,
Need your advice on max cashback
I made two payments in Aug,
1) 3003 dated 22 aug, for Airtel new broadband connection, paid via Airtel thanks app
2) 589 dated 30-aug for another Airtel fiber broadband connection , paid via Airtel thanks app
Statement generated date is 1st of every month.
But I received cashback credit of only ₹147 on 27-sept.
No other txns in the card.
I should get ₹250, correct?
..

 

[helloworld]

Folks,
Need your advice on max cashback
I made two payments in Aug,
1) 3003 dated 22 aug, for Airtel new broadband connection, paid via Airtel thanks app
2) 589 dated 30-aug for another Airtel fiber broadband connection , paid via Airtel thanks app
Statement generated date is 1st of every month.
But I received cashback credit of only ₹147 on 27-sept.
No other txns in the card.
I should get ₹250, correct?
..

AXIS is statement based.

So, check all your transactions especially it records each transaction cashback in statement.

let us know which one do you think inconsistency.

Note: Check only on generated statement.

 

[pothi]

Folks,
Need your advice on max cashback
I made two payments in Aug,
1) 3003 dated 22 aug, for Airtel new broadband connection, paid via Airtel thanks app
2) 589 dated 30-aug for another Airtel fiber broadband connection , paid via Airtel thanks app
Statement generated date is 1st of every month.
But I received cashback credit of only ₹147 on 27-sept.
No other txns in the card.
I should get ₹250, correct?

Correct.

BTW, Aug 30 was Friday. You could have just used the Amazon RuPay Friday offer to get Rs.100. By making two payments in the same category, the software just took the last/least payment. Smart. You should really contact Axis for this.

3) ₹417 on 20-sept for 'Swiggy Instamart BangaloreIND' txn (merchant category: Dept Stores) this was paid via Swiggy app, shows as cashback earned only ₹4 (that's 1%)
Here too, I should get a credit of ₹41 (10%) in the next month statement, correct?

Correct. However, typical Axie doesn't work as it should be. I usually ignore such inconsistencies in Swiggy and Zomato. Yet, I always got the difference after a couple of months. YMMV.

 

[hellobois]

I have a doubt. I have two airtel connections and there would be a point where both the recharges fall in same statement period. In that case can I recharge one number before actual recharge date? This was possible in Jio.
By this I can get cashback for both recharges.

 

[vine]

Here is the picture
I have received cashback for ₹589 , that's ₹147
Didn't receive anything for 3003.
Total cashback recived : ₹147

 

[pothi]

I have a doubt. I have two airtel connections and there would be a point where both the recharges fall in same statement period. In that case can I recharge one number before actual recharge date? This was possible in Jio.
By this I can get cashback for both recharges.

In general, if the plan is the same, yes, you can queue the plans. If the plan changes, please read the TnC carefully (second point from top)...

Terms and conditions/post pack benefits for prepaid vouchers

Terms and conditions/post pack benefits for prepaid vouchers

www.airtel.in

 

[Sriim]

View attachment 70864

Here is the picture
I have received cashback for ₹589 , that's ₹147
Didn't receive anything for 3003.
Total cashback recived : ₹147

3003 must have been made on a browser that opened inside airtel thanks app right? It must be considered utility outside of airtel thanks, so no CB for that.

CB is only for BBPS utility payments done via pay tab of airtel thanks app as far as i know.

 

[vine]

3003 must have been made on a browser that opened inside airtel thanks app right? It must be considered utility outside of airtel thanks, so no CB for that.

CB is only for BBPS utility payments done via pay tab of airtel thanks app as far as i know.

I understand, but payment was done inside Airtel Thanks app.
Still it is Airtel bill. If I got 10%, that logic would have been correct. But I got zero.
Anyway I will fight it out with Nodal officer

 

[Sriim]

I understand, but payment was done inside Airtel Thanks app.
Still it is Airtel bill. If I got 10%, that logic would have been correct. But I got zero.
Anyway I will fight it out with Nodal officer

It's not technically airtel thanks app as new connection payment will open as a in built browser inside the app. Like clicking on links in gmail app. I made the payment with a different card for the same reason.

 

[helloworld]

View attachment 70864

Here is the picture
I have received cashback for ₹589 , that's ₹147
Didn't receive anything for 3003.
Total cashback recived : ₹147

I meant email statement, it has each transaction and eligible cashback.

 

[helloworld]

You could have just used the Amazon RuPay Friday offer to get Rs.100.

this is for debit card only right?

 

[pothi]

this is for debit card only right?

Y e s

 

[vine]

I meant email statement, it has each transaction and eligible cashback.

Bill also showed ₹147. I didn't notice this last month.

 

[helloworld]

View attachment 70898
Bill also showed ₹147. I didn't notice this last month.

drop a mail to support (https://application.axisbank.co.in/webforms/axis-support/index.aspx?cta=axis-support-header)

with invoice as bill payment screenshot, and mention "this 22/08 transaction as mentioned statement"

you'll get the remaining cashback upto the limit for that month. you'll definitely get the 103rs for sure, if you follow-up with patience.

Post in thread 'Airtel Axis Bank Card less Cashback'

Aug 15, 2023

After pro-longed discussion with upto PNO, they agreed to credit the missing cashback of last month (this includes details about purchases, including invoices etc.).

Surprisingly, they messed up this month cashback and no where above said missing cashback reflected in current month statement. So, again have to continue that discusssion.

Warning: Issue currently with BigBasketPune merchant.

Update: Received last month missing BigBasketPune transactions. Same escalated for this month, and it resolved with same long discussion.

From this month onwards, suggested not use this...

• helloworld

• 

Good luck!

 

[saniruidas]

Folks,
Need your advice on max cashback
I made two payments in Aug,
1) 3003 dated 22 aug, for Airtel new broadband connection, paid via Airtel thanks app
2) 589 dated 30-aug for another Airtel fiber broadband connection , paid via Airtel thanks app
Statement generated date is 1st of every month.
But I received cashback credit of only ₹147 on 27-sept.
No other txns in the card.
I should get ₹250, correct?
..

What is your billing cycle ? I think your billing cycle is 30th to next month 29 ... You should check this in your statement, if I'm wrong you should connect with customer care if axis.

 

[saniruidas]

View attachment 70898
Bill also showed ₹147. I didn't notice this last month.

I think your payment is in progress on bill generation day, if you pay via card it will be in progress for few days like 3 to 5 days. That's why not showing eligible cashback. But don't worry you will get full cashback.
But one thing you pay Airtel bill which was showing as utilities, it's wrong.
If your bill falls under utility you will get 10% not 25% . Then you should contact customer care.

 

[Larry2001]

I used the card on Swiggy for 548₹, and I checked the statement and it only showed - Cashback Earned 5.00
it should be 50₹ as 10% off on swiggy with Airtel axis