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Airtel Axis Bank Credit Card: Maximizing Your Cashback

helloworld

TF Legend

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: â‚ą250 per statement (limit reached if spent â‚ą1000).

  • 10% Cashback on Utility Bill Payments :light-bulb:
    • Categories: Electricity, Gas, Water etc. via airtel app.
    • Cashback Cap: â‚ą250 per statement (limit reached if spent â‚ą2500).

  • 10% Cashback on Zomato, Swiggy, BigBasket :hamburger:
    • Categories: BigBasket (SuperSaver, BB Now), Swiggy (Food, Dineout), Zomato (Food, Dining)
    • Cashback Cap: â‚ą500 per statement (limit reached if spent â‚ą5000).
    • 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 :shushing-face:
    • 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 :airplane:
    • 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: â‚ą500 (waived on spending â‚ą2 lakhs in a year).


Spend Calculations


ScenarioReturn %Only on that Category Return %
Spend only on 25% Airtel PaymentsSpend: 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% UtilitiesSpend: 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 AppSpend: 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 waiverSpend: 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: â‚ą3599
    • 2GB/day for 28 days: â‚ą349

  • With Airtel Axis Credit Card (25% Discount):
    • 28-day cost: â‚ą262
    • Annual cost: â‚ą3141 (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/
 
Last edited:
Hey I just got the card and need a little help to avail maximum discount.

I have Airtel Wi-Fi I used to recharge it for 6 months which cost me around 5232â‚ą ( 100Mbps 799â‚ą wala )

The discount on the card is 25% for Airtel WiFi/ recharge which is capped at 250â‚ą per month

So is it correct if I switch my plan to a monthly basis which cost me around 799â‚ą + 144â‚ą Tax = 943â‚ą
( 25% of 799 will come to around 200â‚ą Cashback)
Costing me = 744â‚ą per month

Or if there is any other idea to get maximum discount.
If you are using any other Airtel postpaid services then combine them with Airtel Black to avail black discount+25%discount
 
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