Axis Bank · Entry
Airtel Axis Bank
Where it ranks across all 187 cards
#36 Gaming
1.0%
direct
#46 Train tickets
1.0%
direct
#50 Other
1.0%
direct
#52 Cabs & transit
1.0%
direct
#54 Health & pharmacy
1.0%
direct
#57 Electronics
1.0%
direct
#65 Hotels
1.0%
direct
#67 Flights
1.0%
direct
#68 Fashion
1.0%
direct
#69 Online shopping
1.0%
direct
#69 Groceries
1.0%
direct
#69 Movies & events
1.0%
direct
#71 Dining out
1.0%
direct
#71 Food delivery
1.0%
direct
28 Aug 2026
From 28 Aug 2026: the markup when you pay abroad in rupees rises from 1.5% to 3.5%, late fees rise, and tolls and gift cards no longer earn.
1 Apr 2026
Lounge access removed. Caps made dynamic: Airtel ₹250/mo, partners ₹500/mo, combined ₹750/mo.
Get an email if this card changes - sign in.
Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
1% cashback
source
Source: Airtel Axis MITC - axisbank.com - read 20 Aug 2026
Utility bills paid outside Airtel Thanks earn nothing
0.00%this rule
0% cashback
how it works & source
Airtel Axis pays on utility bills only through the Airtel Thanks app; elsewhere they earn nothing.
Source: Airtel Axis cashback T&C (bank PDF, Apr 2026 regime) - axis.bank.in - read 22 Aug 2026
Via portals & vouchersdisplay, never ranks
25% Airtel services
via airtel thanks · DYNAMIC: capped at 2X the base 1% cashback earned in the same cycle (zero base spends = zero 25% earn); ₹500 shown as a working ceiling
source & note
Apr 2026 regime: the flat ₹250 cap is dead. Airtel bills via Airtel Thanks only.
Source: Airtel Axis cashback T&C (bank PDF, Apr 2026 regime) - axis.bank.in - read 22 Aug 2026
25.0%
10% on other utility bills via Airtel Thanks (dynamic cap)
via airtel thanks · DYNAMIC: capped at 1X the base cashback earned that cycle; ₹250 shown as working ceiling
source & note
Airtel Thanks app only; utilities elsewhere earn nothing. Separate 10% at Zomato/Blinkit/District pays into the PARTNER wallet (₹200/partner/month, ₹499 min order) - not card cashback, not modeled.
Source: Airtel Axis cashback T&C (bank PDF, Apr 2026 regime) - axis.bank.in - read 22 Aug 2026
10.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on11 exclusions
Tolls and bridge fees
earns nothing
Bridge fees, road fees and tolls: no rewards (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
MCCs: 4784
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 27 Aug 2026
Gift, card, novelty and souvenir shops
earns nothing
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
Axis excludes by spend category; 5947 is the closest MCC mapping.
MCCs: 5947
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 27 Aug 2026
Fuel
earns nothing
Fuel excluded from cashback (bank publishes categories only for this card, no MCC codes).
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: Airtel Axis cashback T&C (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Rent
earns nothing
Rent excluded.
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent
Source: Airtel Axis cashback T&C (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Wallet load
earns nothing
Wallet recharges excluded.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: Airtel Axis cashback T&C (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Jewellery & watches
earns nothing
Jewellery excluded.
→ use Tata Neu Infinity HDFC here (5.0%)
detail & source
categories: Jewellery & watches
Source: Airtel Axis cashback T&C (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Insurance
earns nothing
Insurance services excluded.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance
Source: Airtel Axis cashback T&C (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Education
earns nothing
Education services excluded.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education
Source: Airtel Axis cashback T&C (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government services excluded.
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: Airtel Axis cashback T&C (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
EMI
earns nothing
EMI, cash advances/financial institutions and fee payments excluded.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
Utility & telecom spends NOT on the Airtel Thanks app earn nothing.
categories: EMI
Source: Airtel Axis cashback T&C (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
FASTag recharge
earns nothing
W.e.f. 28 Aug 2026: no rewards on bridge fees, road fees and tolls (portfolio-wide revision).
detail & source
Gift-card purchases also reclassified to an excluded Gift Card category.
merchants: FASTag recharge
Source: Axis 28-Aug-2026 generic revision (campaign PDF) - campaign.axis.bank.in - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.