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).

---

• 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.

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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​

---

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/

 

[helloworld]

I did two months ago and the cashback not credited. Checked with Axis support and they said it's not eligible.

whats the merchant name showing in your statement for that transaction?

 

[saniruidas]

I did two months ago and the cashback not credited. Checked with Axis support and they said it's not eligible.

Which marchent showing when payment process ? You can view via Airtel app inbuilt login . If it's showing utility, then you are eligible.
Just request to axis, don't say it's lic payment.. say that's utility payment.

 

[Shaktimaan V2.0]

Statement - AIRTEL66GURGAONIND UTILITIES 868.00 Dr
It is clearly under utilities on Airtel app.

When I raised a case with Axis, they wanted transaction screenshot from Airtel app. There it is clearly showing Lic. Axis agent called and clearly explained it is not eligible as per Airtel Axis T&C.

 

[helloworld]

Statement - AIRTEL66GURGAONIND UTILITIES 868.00 Dr
It is clearly under utilities on Airtel app.

When I raised a case with Axis, they wanted transaction screenshot from Airtel app. There it is clearly showing Lic. Axis agent called and clearly explained it is not eligible as per Airtel Axis T&C.

Often when I escalate issues related to BB or Swiggy, I mask the items that I ordered. Even though those are regular day to day groceries, I believe that my purchases doesn't concern with their query, and it always worked without any further requirement. Try once.

 

[the.mj208]

Having issues with KYC while applying the card as explained, if possible, please suggest.
Unable to proceed with VKYC option

 

[saniruidas]

Having issues with KYC while applying the card as explained, if possible, please suggest.
Unable to proceed with VKYC option

Maybe issue with your details and address especially, they will do physical KYC with 2 live photo and fingerprint.

Axis agent call you shortly, if not received within 3 days.. call or mail cc with reference number application.

 

[the.mj208]

Maybe issue with your details and address especially, they will do physical KYC with 2 live photo and fingerprint.

Axis agent call you shortly, if not received within 3 days.. call or mail cc with reference number application.

Okay, I called yesterday they said application no. is not in right format, and with PAN they were unable to check. So maybe I should wait a day or 2 more then try.

 

[iscoopicecreams]

No



Yes

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

Whats axis grab deal?

 

[iscoopicecreams]

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.

Does buying through tata neu gives additional cashback?

 

[tachniki]

Whats axis grab deal?

https://grabdeals.axisbank.com/ Here is site.

 

[jk51]

Does buying through tata neu gives additional cashback?

Additional 5% in terms of Neucoins through Neupass

 

[iscoopicecreams]

Additional 5% in terms of Neucoins through Neupass

Do we need to purchase neupass as well?

 

[iscoopicecreams]

Key Features​

---

View attachment 68365

---

• 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/

What about BB Daily?

 

[helloworld]

What about BB Daily?

can purchase or pay through bb, right?

 

[helloworld]

Do we need to purchase neupass as well?

its free currently

 

[tachniki]

What about BB Daily?

Bb daily gives 10% cashback. Merchant name is Innovative Retail.....

 

[iscoopicecreams]

can purchase or pay through bb, right?

Yes.. its inside BB only

 

[iscoopicecreams]

Bb daily gives 10% cashback. Merchant name is Innovative Retail.....

Same method i.e. add in wallet

 

[tachniki]

Same method i.e. add in wallet

Yes. Ensure merchant name in otp sms / otp page.

 

[akish4u]

Will broadband bill payment through airtel thanks app give 10% cashback?