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/

 

[helloworld]

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

Post in thread 'Airtel Axis Bank Credit Card: Maximizing Your Cashback'

Nov 29, 2024

Paying LIC through airtel thanks with airtel axis card will fetch cashback?

Yes, airtel thanks app supported all payment via Airtel Axis CC eligible for 250 upto cashback rate 10% cashback

• saniruidas

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: )

 

[saniruidas]

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

Yes, if airtel 25% others 10 %

 

[messi_10]

If one
1.orders bb grocery directly via nue using airtel cc ( no wallet load), will get 15% ?
2. recharges jio, bsnl prepaid using airtel thanks, will get 10% ?

 

[tachniki]

If one
1.orders bb grocery directly via nue using airtel cc ( no wallet load), will get 15% ?

Will get 10% cashback in Axis Airtel card statement and 5% neucoins in tata neu app after delivery.

2. recharges jio, bsnl prepaid using airtel thanks, will get 10% ?

Yes.

 

[tachniki]

'CASHFREE*SWIGGY LIMITEBENGALURUIND' merchant is not eligible for 10%. Got this merchant for Swiggy food delivery.

 

[saniruidas]

'CASHFREE*SWIGGY LIMITEBENGALURUIND' merchant is not eligible for 10%. Got this merchant for Swiggy food delivery.

Mailed them, payment eligible 😅 excludes instamart

 

[Pho3nix]

If Airtel payments limit ( ₹1000) has already been reached, do we get 10% on Airtle recharge under utility bill payment?

 

[tachniki]

If Airtel payments limit ( ₹1000) has already been reached, do we get 10% on Airtle recharge under utility bill payment?

No. Not even 1%.

 

[helloworld]

If Airtel payments limit ( ₹1000) has already been reached, do we get 10% on Airtle recharge under utility bill payment?

after limit reached in that category, further spends gives 0%.

 

[saniruidas]

If Airtel payments limit ( ₹1000) has already been reached, do we get 10% on Airtle recharge under utility bill payment?

In that case you are not eligible for any cashback by airtel thanks. You can buy Amazon or bazaz pay voucher by gifting from trusted 3rd party sites, you will receive 1 % . You can use Amazon shopping cancel trick and then refund to Amazon pay.. then pay it.