Airtel Credit Card
Rs 500Annual fee
Rs 2,00,000Fee waiver spend
0Domestic lounge
Domestic lounge conditions
- Effective 12 April 2026: Domestic lounge access (previously 4 visits/year with ₹50,000/3-month spend gate) has been discontinued.
3.5%Forex markup
Best for
Airtel, Utility Bills, Zomato, Blinkit, Cashback
Top rewards
Zomato And Blinkit (min ₹499/Order, Value Into Partner Wallet): 10% value-back; Airtel Recharges And Bill Payments Via Airtel Thanks App: 25% cashback; Utility Bill Payments Via Airtel Thanks App: 10% cashback
CheQ Credit Card
Rs 499Annual fee
Rs 3,00,000Fee waiver spend
0Domestic lounge
3.49%Forex markup
Best for
Cashback, Cheq, Travel, UPI, Utility Bills, Amazon
Top rewards
Select Brands On CheQ (Amazon, Flipkart, Zomato, BigBasket, Apple Via Unicorn): 24 CheQ Points per ₹200 spent; CheQ Travel Bookings And Utility Bill Payments On CheQ App: 24 CheQ Points per ₹200 spent; Other Eligible Shopping, Dining, Food Delivery, And Online Grocery Spends: 10 CheQ Points per ₹200 spent
| Feature | Airtel Credit Card | CheQ Credit Card |
|---|---|---|
| Issuer | Axis Bank | AU Small Finance Bank |
| Network | Mastercard | Visa, RuPay |
| Joining fee | Rs 500 | Rs 499 |
| Annual fee | Rs 500 | Rs 499 |
| Fee waiver spend | Rs 2,00,000 | Rs 3,00,000 |
| Reward type | Cashback | Cashback And CheQ Points |
| Best for | Airtel, Utility Bills, Zomato, Blinkit, Cashback | Cashback, Cheq, Travel, UPI, Utility Bills, Amazon |
| Top reward categories | Zomato And Blinkit (min ₹499/Order, Value Into Partner Wallet): 10% value-back; Airtel Recharges And Bill Payments Via Airtel Thanks App: 25% cashback; Utility Bill Payments Via Airtel Thanks App: 10% cashback | Select Brands On CheQ (Amazon, Flipkart, Zomato, BigBasket, Apple Via Unicorn): 24 CheQ Points per ₹200 spent; CheQ Travel Bookings And Utility Bill Payments On CheQ App: 24 CheQ Points per ₹200 spent; Other Eligible Shopping, Dining, Food Delivery, And Online Grocery Spends: 10 CheQ Points per ₹200 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.49% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Not Listed | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | fuel, rent, wallet loading transactions, EMI transactions, purchases converted to EMI post facto, purchase of jewellery items | Fuel purchases, Education spends, Gold purchases, Gambling transactions, Insurance payments, Utility payments made outside the CheQ app |