SimplifyCards take:A good fit if you want a card built for airtel, utility bills, and zomato, and you want your rewards as simple, no-tracking cashback
✓
Best for simple cashbackBest for
10% value-back on zomato and blinkit (min ₹499/order, value into partner wallet), auto-credited with no points to manage
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
✦
Good fit if you want a card built for airtel, utility bills, and zomato, and you want your rewards as simple, no-tracking cashbackBottom line
It offers accelerated rewards on airtel recharges and bill payments via airtel thanks app
Estimate your Cashback
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback rates
| Category | Rate | Monthly cap |
|---|---|---|
| Zomato And Blinkit (min ₹499/Order, Value Into Partner Wallet) | 10% value-back | 200 Cashback |
| Airtel Recharges And Bill Payments Via Airtel Thanks App | 25% cashback | 2× base cashback |
| Utility Bill Payments Via Airtel Thanks App | 10% cashback | 1× base cashback |
| District Movies (value Into District Wallet) | 10% value-back | 200 Cashback |
| Other Eligible Spends | 1% cashback | - |
Important conditions
1
Fee waiverRenewal fee waived on annual spends of ₹ 2 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Amazon eVoucher worth ₹500 on first transaction within 30 days of card issuance
Additional benefits
- 1% fuel surcharge waiver on fuel purchases from ₹400 to ₹4,000, capped at ₹500 per statement cycle
Additional details
- Cashback is directly credited to the credit card statement
- Zomato, Blinkit, and District Movies value-back is credited to the respective partner wallet, not as statement credit
- Minimum order value of ₹499 applies for Zomato and Blinkit value-back. Wallet loads and gift card purchases are excluded
Latest Updates
Recent changes to this card
Axis Bank revised DCC markup and gift card rewards28 Aug 2026
- Effective 28 August 2026, Axis Bank has increased the Dynamic Currency Conversion (DCC) markup to 3.5% for most Axis credit cards
- Additionally, gift card purchases are excluded from earning reward points/cashback and no longer count towards spend-based fee waivers or milestone benefits
- Tolls and FASTag spends will also cease earning rewards
Axis revised Airtel Axis Bank Credit Card features and terms12 Apr 2026
- 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
Exclusions
Spending that does not earn cashback
- 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
- Gift cards
- Tolls and FASTag
Featured in our guides
Category shortlists where this card appears in the top picks
Best Cashback Credit Cards in India
For people who prefer simple value back instead of managing points, miles, or voucher-heavy rewards
Best Credit Cards for Beginners in India
For first-time cardholders who want a simple, low-maintenance card with understandable fees, rewards, and limitations
Compare before you decide
Alternatives based on what you might want instead