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Apply for Credit Card - Airtel Finance

A credit card gives you the power to save big with annual cashbacks and plenty of rewards. Get amazing offers across multiple categories - lifestyle, travel, shopping, and more. Complete a simple application process on the Airtel Thanks app and get ready to step into a world of hassle-free payments.

Features of Credit Card

Big savings and cashback offers, now with Credit Card

  • Higher credit limit
    Credit limit up to ₹5 lacs

  • Huge annual savings
    Save up to ₹18,000 

  • Low Joining Fees
    Just ₹500 joining fees

  • Low annual fee
    Just ₹500 as annual fee

  • 100% digital process
    Apply on the Thanks app

  • Relaxed eligibility
    18-70 years old can apply

Benefits of Credit Card

Experience a privileged lifestyle with the credit card

  • 25% off on recharges
    Paid via Airtel Thanks

  • 10% off on delivery
    Zomato, bigbasket, Swiggy

  • 10% cashback offers
    Utility bills via Thanks

  • Extra 1% cashback
    On all other spends

  • Airport lounge
    4 lounge access/year

  • Fuel waiver
    1% fuel surcharge waiver

Steps to Apply for Credit Card

Big savings and cashback offers, now with Credit Card

  • Get Airtel App
    Download the app and go to Shop section

  • Click on Airtel Finance
    You will see the Credit Card button

  • Click on Apply Now
    Now fill up the complete application form

  • Complete digital KYC
    The card will be delivered to you within 5-7 business days.

Credit Card Eligibility

Fulfill these eligibility criteria to get the Credit Card!

  • Resident status

    The credit card applicant must be an Indian resident or a non-resident Indian.
  • Age Limit

    Age of the primary cardholder should range between 18 and 70 years.
  • Documents Required

    PAN card or Form 60, Residential, Identity, and Income proof, Colour Photograph

FAQs on Credit Card

1. What is a credit card and how does it work?

A credit card is issued to you by a merchant that enables you to make purchases or transactions with the help of credit. The credit card works on the concept that you will have to pay back your credit card bill after a certain amount of time.

2. How do I apply for a credit card using the Thanks app?

To apply for your credit card via the Airtel Thanks App, install the app through PlayStore or App Store, if you haven’t. In the app, navigate to the 'shop' category, then choose 'credit card' under 'Financial Services'. Provide the required information, and your card will be delivered to you.

3. Can non-Airtel users also apply for a credit card?

Yes, indeed! Non-Airtel users can very well apply for the Credit Card if they are eligible for the credit card.

4. What is the credit limit on a credit card?

The total credit limit on a credit card varies from one person to another. However, if you have a good credit score and pay all your EMIs on time, then you will be able to enjoy a greater credit limit.

5. What is the interest rate on a credit card?

The actual interest rate on a credit card depends on a lot of factors – whether you have missed out on payments, which merchant you are using and many more. To make sure you do not have to pay with credit card annual percentage rate (APR), you should try to pay your credit card bills on time. Additionally, make sure you are paying back the complete amount and not the minimum amount payable.

6. How do I make payments on my credit card?

Making payments with the credit card is an effortless process. Simply visit any e-commerce website and instead of selecting your debit card, make the payment with your credit card.

7. Do credit cards come with an airport lounge benefits?

Yes, they do! You can get Airport lounge benefits when you get the Credit Card. It offers you 4 complimentary domestic lounge visits in a year (lounge visits are limited to one per quarter).

8. What happens if I miss a payment on my credit card?

Ideally, it is always advised that you never miss a payment on your credit card. However, if such a situation arises, you will be charged a penalty and that is never an ideal scenario. Such penalties can be heavy on the pocket, so the best solution is to clear your dues on time.

9. How do I dispute a charge on my credit card?

In case you need to raise a dispute for your credit card, then it is advisable to get in touch with your credit card merchant. You will find their customer support number from the main website, with a few clicks.

10. Can I use my credit card abroad?

You can certainly use your credit card internationally. In fact, an international credit card could be one of the safest methods of making payments, when you are travelling abroad. Furthermore, it also provides you with the flexibility of travelling cash-free.

11. How do I keep my credit card information safe and secure?

You should never divulge your credit card information to anyone. In addition, it is advised that you never click on spurious links or share your credit card OTP with anyone over calls or messages. One of the best ways to keep your credit card information safe and secure is to keep your details conifdential.

12. What are the benefits of using a credit card?

There are plenty of benefits associated with a credit card. For instance, the Credit Card provides a broad range of cashback offers, recharge benefits, airport lounge, fuel surcharge waivers, zero joining fees, and lots more. It is the perfect credit card for you, if you are looking for a credit card full of benefits.

13. What are the terms and conditions associated with Credit Cards?

For the complete terms and conditions associated with Credit Cards, you can click here.

14. How can I cancel my credit card?

To cancel or block your credit card, simply get in touch with your credit card merchant and inform them that you would like to cancel your credit card. Make sure that all your pending credit card bills are paid before you proceed to cancel the card.

15. Can I get a credit card with bad credit?

It is difficult to obtain a credit card for yourself when your credit score is not up to the mark. However, it is not impossible, and some merchants might offer you a credit card. Regardless, the credit limit might be low in such cases.

16. How can I track my credit card transactions and statements?

You can track your credit card transactions with the help of credit card statements. These statements will be mailed to your registered email ID after every credit card cycle. Additionally, you can also track it from the credit card merchant’s website.

17. What are reward points, and how can I earn and redeem them?

Reward points are extra points that you get after you complete a transaction on your credit card. The more the value of the transaction, the higher the reward point. To redeem your reward points, you can visit the merchant's website and look at the products/services on which you can redeem your reward points.

18. What is a credit card statement?

The credit card statement is an important document that has all the details of the transactions that you make on the credit card. The credit card statement contains information about your purchases, your credit balance, minimum amount payable, and more. It is issued after every credit card cycle ends.

19. What is a credit card balance?

The credit card statement is an important document that has all the details of the transactions that you make on the credit card. The credit card statement contains information about your purchases, your credit balance, minimum amount payable, and more. It is issued after every credit card cycle ends.

20. What should I do when my credit card is lost?

In case, your credit card gets lost or stolen, then you should proceed to block it immediately. Get in touch with the customer support team of your credit card and provide all the necessary information needed to get the card cancelled.

21. Is there any special offer for Airtel users while using a credit card?

If you have a Credit Card, then you can get cashback worth up to 25% on Airtel prepaid, postpaid, broadband, and DTH bill payments when you use the Airtel Thanks app.       

22. Can non-Airtel users also apply for a credit card?

Yes, non-Airtel users can also apply for the Credit Card and reap its many rewards and benefits.

23. What does 'minimum due' mean on a credit card statement?

Minimum due on a credit card refers to the minimum amount that you must pay so that you can enjoy the facilities of your credit card. It is only a small fraction of the total outstanding amount that you are yet to pay.

What is a Credit Card?

The co-branded credit card is an entry-level credit card that is provided by Axis Bank in collaboration with Airtel. The card has a ₹500 membership fee and provides exclusive privileges to Airtel customers, including cashback options, access to Airport lounges, a waiver of fuel surcharges, and dining advantages. Via the Airtel Thanks App, customers can also receive cashback on purchases made for shopping, travel, and other expenses as well as on mobile, Wi-Fi, DTH, Airtel Black, and utility bill payments.

Benefits of a Credit Card

Convenience: A credit card offers the convenience of purchasing now and paying later.

Building Credit History: Regular and responsible use of a credit card can help users build a positive credit history, which can be crucial for future financial endeavours like obtaining loans or mortgages.

Rewards and Perks: Many credit cards offer points, cash back, or miles that can be redeemed for various products, services, or travel.

Emergency Funding: Credit cards can be a lifesaver in emergencies when immediate funds are needed.

Global Acceptance: Most major credit cards are accepted worldwide, making it easy for travelers to make purchases abroad without the need for local currency.

Security: Credit cards offer better protection against fraud than cash. Many credit card companies offer zero liability policies, ensuring users aren’t held responsible for unauthorized transactions.

Special Deals and Offers: Credit cardholders often get access to exclusive deals, discounts, and promotional offers curated by the card issuer.

Grace Period: Credit cards typically offer a grace period during which no interest is charged, as long as the balance is paid in full by the due date.

Rental Car Insurance: Many credit cards come with complimentary rental car insurance when the rental is charged to the card, potentially saving users from purchasing additional insurance.

How to Apply for a Credit Card?

Decide What Type of Credit Card You Need

  • Consider your spending habits and needs
  • Research different types of credit cards
  • Choose a card that fits your lifestyle

Check Your Credit Score

  • Find out your credit score
  • Identify areas for improvement

Compare Credit Card Features

  • Look for interest rates fees, rewards, and other features
  • Compare offers from different banks

Understand all the fees and charges

  • Learn about the rewards program, interest rates, and more

Fill Out the Application

  •  Provide all the necessary information
  • Check that you’ve filled out the application correctly
  • Submit the application

Wait for Approval

  • Wait for the bank to review your application
  • Receive notification of your approval or denial
  • If approved, wait for your card to arrive

Activate Your Credit Card

  • Follow the instructions provided in the package
  • Set up online banking and mobile access
  • Start using your credit card for purchases

Make Payments on Time

  • Understand the payment due date
  • Set up automatic payments
  • Pay more than the minimum amount

Monitor Your Credit

  • Check your credit report regularly
  • Monitor your credit score
  • Report any suspicious activity

Manage Your Credit Card

  • Track your credit card spending
  • Stay within your credit limit
  • Make sure you have enough funds to cover your spending

Fees and charges of credit card

The joining fee for the Primary card is ₹500 and for the Add-on card, the charges are waived off. Also, the Annual fee for the primary card is ₹500, from the second year. The Annual fee will be waived off on annual spends higher than ₹2 lacs.

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