SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for airtel, utility bills, and food delivery, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines complimentary airport lounge access and accelerated rewards on airtel recharges and bill payments via airtel thanks app.
Where value may drop
The renewal fee is waived only on Rs 2 lakh of annual spend. Fuel, rent, and insurance don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many cashback you earn and what they are worth.
How you earn it
| Category | Monthly spend | cashback/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 3,000 |
| Dining & food delivery | Rs 4,000 | 4,800 |
| Groceries | Rs 5,000 | 6,000 |
| Utility billsexcluded | Rs 3,000 | — |
| Other spends | Rs 8,000 | 960 |
Categories marked excluded earn no rewards on this card.
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for simple cashback
25% cashback on airtel recharges and bill payments via airtel thanks app, auto-credited with no points to manage.
Best for airport lounge access
4 complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Airtel recharges and bill payments via Airtel Thanks App | 25% cashback | 250 cashback |
| Utility bill payments via Airtel Thanks App | 10% cashback | 250 cashback |
| Swiggy and Zomato | 10% cashback | 500 cashback |
| bigbasket and BBnow | 10% cashback | 500 cashback |
| Other eligible spends | 1% cashback | - |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Domestic lounge access is available only if spends in the previous 3 months are at least Rs 50,000.
- The card offers 4 complimentary domestic airport lounge visits per calendar year subject to the spend condition.
Exclusions
Categories that earn no rewards on this card.
- fuel
- rent
- wallet loading transactions
- EMI transactions
- purchases converted to EMI post facto
- purchase of jewellery items
- cash advances
- payment of outstanding balances
- payment of card fees and other card charges
- government services
- insurance services
- education services
- utility spends not done on Airtel Thanks App
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Amazon eVoucher worth Rs 500 on first transaction within 30 days of card issuance
Additional benefits
- 1% fuel surcharge waiver on fuel purchases from Rs 400 to Rs 4,000, capped at Rs 500 per statement cycle
Additional details
- Cashback is directly credited to the credit card statement.
Latest updates
Recent changes to this card.
- Effective 12 April 2026, Axis ties accelerated cashback more tightly to regular spending: the monthly cap on 25% and 10% cashback is limited to twice the base cashback earned in the same statement month.
Eligibility
Check this before you apply.
Salaried
- Primary cardholder should be between 18 and 70 years and resident of India
Self-employed
- Primary cardholder should be between 18 and 70 years and resident of India
Compare before you decide
Alternatives based on what you might want instead.
Axis Bank ACE Credit Card
Best for cashback, utility bills, food delivery.
Samsung Axis Bank Signature Credit Card
Best for samsung, cashback, shopping.
Swiggy HDFC Bank BLCK Credit Card
Best for swiggy, food delivery, online shopping.