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Axis Bank

Airtel Axis Bank

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Annual Fee

₹500

Reward Type

Cashback

Forex

3.5%

Lounge

4 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹500
Annual Fee₹500(waived ≥ ₹2,00,000)
Min Monthly Income₹25,000

Rewards

Reward TypeCashback
Base Rate1%
Point Value₹1/point

Category Multipliers

airtel bills25%(cap ₹300)utility bills10%(cap ₹300)zomato swiggy10%(cap ₹500)

Redemption Values

statement credit₹1/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkDreamfolks
Lounge Spend Req.₹50,000 Quarterly

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

SBI Pulse (89%) →Axis Ace (87%) →IDFC FIRST Select Credit Card (86%) →IDFC First Classic Credit Card (85%) →IDFC First Millennia Credit Card (85%) →

💡 Fee Waiver Strategy

Spend ₹2L/year to waive ₹500 annual fee.

⚖️ Breakeven Analysis

To recover the ₹500 annual fee at the base reward rate of 1%, you need to spend ₹50,000 annually.

🎯 Pro Tips

  • ▸Highest return for Airtel users (25%).
  • ▸Great for Swiggy/Zomato (10%).

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹11,500

Effective Rate

1.0%

Ranked #81 of 173 cards#81

₹500 annual fee deducted from gross rewards value.

🏷️ Best For

utilitiescashbacklifestyle