FAQs for Airtel and Axis Credit Card Customer Journey

Credit Card Benefits

What is Airtel Axis Bank Credit Card?

Airtel Axis Bank Credit Card (“Card”) is a credit card by Axis Bank in association with Airtel to you (“Customer”). Enjoy cashback on Mobile, Wi-Fi, DTH, Airtel Black and utility bill payments via Airtel Thanks App. Further, also earn on spends on shopping, travel and more.

What are the key benefits of Airtel Axis Bank Credit Card?

Some of the benefits of Airtel Axis Banks Credit cards are:

• 25% cashback* on Airtel Mobile, WiFi, DTH bill payments via Airtel Thanks App (*capped at Rs.300 per month)
• 10% cashback* on utility bill payments such as gas, electricity, etc., via Airtel Thanks App (*capped at Rs.300 per month)
• 10% cashback** on spends on Swiggy, Zomato, bigbasket (** capped at Rs. 500 per month. Total cashback across all merchants)
• 1% cashback on all other spends
• Four complimentary domestic lounge access visits (limited to one per quarter)
• 1% Fuel surcharge waiver up to Rs. 500 per month

Are there any categories on which cashback is NOT available?

Cashback shall NOT be eligible for the following spends/transaction on the card:

• Fuel spends
• Wallet loading transactions
• Rent Payments
• Purchase of gold items
• Cash advances
• EMI transactions & Purchases converted to EMI transactions
• Payments of outstanding balances, card fee and other card charges

Is there any minimum expenditure criteria to get the cashback?

There is NO minimum expenditure criteria to receive cashback. There is a monthly cap on maximum cashback you can receive per spend category (refer above).

Is there any Welcome Gift with the card?
Or
How can I redeem the Welcome Gift Amazon voucher?

Get an Amazon voucher worth Rs.500 on first card transaction made within first 30 days of card issuance.

The Amazon Gift Voucher will be sent to your registered mobile number/ email ID within 30 days of meeting the above requirement. To use the voucher:

• Step 1: Visit www.amazon.in/addgiftcard
• Step 2: Enter your gift card code in the field
• Step 3: Click on “Add to your balance”

Customers who do not have an Amazon account will have to create a new Amazon account and add the voucher to their Amazon Pay Gift Card for redemption.

How can I avail the cashback?
Or
Where will the cashback be received?

To avail cashback, you just need to make transactions using the Airtel Axis Bank credit card. The cashback amount will be auto credited to your monthly credit card statement. No further action will be required from you for redemption.

Monthly cashback earned will be adjusted against your next month’s credit card bill:

• It will be reflected in monthly credit card statement issued by Axis Bank.
• Cashback earned in one billing cycle will be credited to the customer’s credit card account in the next billing cycle i.e., 3 days before the next statement generation and can be viewed in the credit card statement as “Cashback Credited”

What will be the credit limit of the card?

Each user would have a different credit limit approved based on numerous factors in line with Axis Bank’s policy.

Card application process and details

Who can apply for this credit card?

To apply for the card:

• The primary card holder should be between the age of 18 and 70 years
• The individual should either be a Resident of India or a Non-Resident Indian

Please note that these criteria are only indicative and the bank reserves the ultimate right to approve or decline applications for Airtel Axis Bank Credit Card.

Users can check their eligibility at Airtel Thanks App by looking for Credit Card icon or banner on home screen.

Why am I not eligible for this credit card?

If you don’t see the Credit Card option in the Airtel Thanks App, we are unfortunately unable to offer this service to you just yet. All approvals are subject to Axis Bank’s internal review. We are working towards providing the Credit Card service to more users soon. Stay tuned!

Where can I apply?

Airtel Axis Credit Card will be available on Airtel Thanks App or Airtel.com website. For eligible customers:

• You can visit Airtel Thanks App > Home Page > look for ‘Credit Card’ icon or banner
• You can also click on the link shared in SMS communications done by Airtel for credit card offer Please follow the steps in the online journey to complete your application.

What are the documents/ steps needed to apply?

The application process is very simple. Please follow the steps in the online journey to complete your application and share your personal, work and contact details. The KYC process, where applicable, will be conducted after conditional approval for the credit card.

How is my KYC conducted?

Documents required for KYC include:

PAN card photocopy or Form 60
Colour photograph
Proof of income: Latest payslip/ Form 16/ IT return copy
Residence proof (any one of the following):

• Passport
• Ration Card
• Electricity bill
• Landline telephone bill

Identity proof (any one of the following):

• Passport
• Driving license
• PAN card
• Aadhaar card

Please note that this list is only indicative. Documents required may vary on a case-to-case basis. Please follow the steps in the online journey to complete your application.

Is this card only available for Axis Bank account holders?

Non Axis Bank customers can also apply if they are eligible.

What are the joining/ annual charges applicable for the card?
Or
What is the difference between joining / annual fee? Since when is annual fee applicable?

• One-time Joining Fee of Rs.500 is applicable.
• Annual Fee of Rs.500 is applicable from 2nd year onwards
• The Annual Fee (2nd year onwards) would be waived off if you spend Rs. 2 Lakhs or more with the card within a year.

Note: As a Welcome Benefit, you will receive an Amazon voucher worth Rs.500 on first card transaction made within first 30 days of card issuance

Card activation and usage

When will I receive the physical card?

Physical card will be delivered to your registered address with Axis Bank within 7 to 10 days of application approval.

Are the virtual and physical card different?

No, your virtual and physical card will have the same card number, CVV and PIN. You may use your virtual card for online transactions and physical card for offline/ in-store transactions

How will I get the PIN (Personal Identification Number) on the card?

• After you complete your credit card application and your card is approved, PIN for card usage will be couriered to your registered address. You can also set/ reset PIN yourself with the following steps.
  • Axis Mobile App : Log in # > Services & Support > Credit Cards > Set/Reset PIN
  • Internet Banking : Log in# > Accounts > My Credit Cards > More Services > Set your Credit Card PIN
  • Axis Bank ATM : Select ‘Set PIN’ and follow the instructions
  • Phone Banking : Call 1860 419 5555 or 1860 500 5555 from your registered mobile number and follow the instructions
• As per RBI guidelines, your card is not enabled for online, contactless and international transactions. To enable usage and set limits, use the following instructions :
  • Axis Mobile App : Log in # > Services & Support > Credit Cards > Manage Usage > Select Card
  • Internet Banking : Log in# > Services > Credit Card Services > Select Card > More Services > Manage Usage
  • Phone Banking : Call 1860 419 5555 or 1860 500 5555 from your registered mobile number and follow the instructions

Please use the 6-digit activation code mentioned above to activate, if prompted.

Can I transfer the ownership of my Airtel Axis Bank Credit Card?

No, the ownership of the card cannot be transferred

Other complaints handling

For any further queries or support needed, please contact Axis Bank at their customer helpline:

• Telephone: 1860 500 5555 or 1860 419 5555
• Website: axisbank.com/support