Understanding Airtel Axis Bank Credit Card Offers and APR

Understanding Airtel Axis Bank Credit Card Offers and APR

The collaboration between Airtel and Axis Bank has culminated in an intriguing financial product – the Airtel Axis Bank Credit Card. This card offers a plethora of benefits tailored to cater to a diverse customer base. In this blog, we will delve into the specifics of the Airtel Axis Bank Credit Card offers and understand the significance of the credit card APR (Annual Percentage Rate), thereby aiding potential users in making an informed choice.

A Glimpse into Airtel Axis Bank Credit Card

The Airtel Axis Bank Credit Card is designed to merge the convenience of digital transactions with rewarding benefits. It is particularly appealing to those who frequently use Airtel services but is equally beneficial for a wider audience due to its versatile rewards program.

Step-by-step process for application of the Airtel Axis Bank Credit Card on the Thanks App

Applying for the Airtel Axis Bank credit card is quite simple.

  • Just download the Airtel Thanks app.
  • Click on ‘Financial Services’.
  • Tap on ‘Apply Now’ when you see the Airtel Axis Bank Credit Card banner.
  • Follow the instructions on the screen and your credit card will be delivered within 2-7 business days, post-approval.
  • You can also apply for it on the Airtel website.

Key Benefits of the Airtel Axis Bank Credit Card

  • 25% Cashback on Airtel Mobile, Wi-Fi, and DTH bill payments via Airtel Thanks App.
  • 10% Cashback on utility bill payments such as gas, electricity, etc., via Airtel Thanks App.
  • 10% Cashback on spends on Swiggy, Zomato, Bigbasket.
  • 1% Cashback on all other spends.
  • Four complimentary domestic lounge visits (limited to one visit per quarter).
  • 1% Fuel surcharge waiver up to ₹500 per statement; valid on transactions between ₹400- ₹4,000.

Understanding Credit Card APR

Before delving further into the card’s benefits, it’s crucial to understand what credit card APR is. APR stands for Annual Percentage Rate, which essentially indicates the cost of borrowing on the credit card. It is the interest rate charged annually on the amount you borrow through your credit card.

The Significance of Credit Card APR

  1. Impact on Repayments

The APR is a critical factor in determining the overall cost of your credit. A higher APR means you’ll pay more in interest if you carry a balance on your credit card.

  1. Comparing Credit Cards

Understanding the APR is vital when comparing credit cards. A card with lower APR can be more cost-effective, especially if you plan to carry a balance.

Airtel Axis Bank Credit Card APR

The APR for the Airtel Axis Bank Credit Card is set by Axis Bank and varies depending on several factors such as the creditworthiness of the applicant, market conditions, and the bank’s internal policies. It’s important for potential cardholders to review the specific APR applicable to their card and understand how it might affect their credit costs.

How to Make the Most of Airtel Axis Bank Credit Card Offers?

  1. Maximise Rewards

To fully benefit from the Airtel Axis Bank Credit Card, use it for transactions that offer the highest rewards or cashback. This includes Airtel recharges and bill payments, where the card often provides the most significant returns.

  1. Paying Balances in Full

To avoid high interest charges, it’s advisable to pay off your credit card balance in full each month. This practice helps in avoiding the additional cost that comes with the APR.

  1. Keeping Track of Offers

Stay updated with the latest offers and benefits available on the card. Regularly check for updates on the Axis Bank and Airtel website or through their customer service channels.


The Airtel Axis Bank Credit Card is a comprehensive financial tool that offers a range of benefits including rewards, cashback, lifestyle, and travel perks. Understanding the credit card APR is crucial in managing the costs associated with the card. By using the card wisely, paying off balances promptly, and staying informed about the latest offers, cardholders can maximise the benefits while minimising costs. Whether you’re a loyal Airtel user or someone looking for a rewarding credit card experience, the Airtel Axis Bank Credit Card could be a worthy addition to your financial toolkit.