Axis BankRuPay / Mastercard / Visa • Entry Tier Source Verified

Airtel Axis Bank Credit Card Fees & MITC Charges

The ultimate monthly recurring bill saver: 25% on Airtel services and 10% on Swiggy, Zomato, and BigBasket. Available on RuPay for UPI payments.

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AXIS BANK

RuPay▶

AIRTEL AXIS

•••• •••• •••• 2026

Entry

Joining Fee

₹500

+ 18% GST on issuance

Annual Renewal Fee

₹500

Total billed: ₹590 incl. GST

Annual Fee Waiver Spend

₹2,00,000

Waived upon reaching annual spend

Forex Markup Fee

3.5%

Effective 4.13% incl. GST

Airport Lounge Access Policy (2026 Update)

Domestic Lounge Allowance:1 visit(s) per quarter

International Lounge Allowance:None

Quarterly Spend Condition:₹50,000 in prior quarter

Official Rule: 4 complimentary domestic airport lounge visits per year (1 per quarter on ₹50,000 spend in previous 3 months).

Surcharges & Utility Caps

Fuel Surcharge:1% waiver on transactions between ₹400 and ₹4000 (up to ₹250/month).

Utility Spends:1% surcharge applies on cumulative monthly utility bill payments exceeding ₹50,000.

Key Strengths

•RuPay variant supports direct UPI scan & pay transactions
•25% cashback on Airtel mobile recharges and broadband (up to ₹250/month)
•10% cashback on Swiggy, Zomato, and BigBasket (up to ₹500/month)
•10% cashback on electricity/gas/water bills via Airtel Thanks (up to ₹250/month)

Limitations & Drawbacks

•Strict monthly caps on individual cashback categories
•Full 25% reward potential requires Airtel ecosystem usage
•Lounge access requires ₹50,000 quarterly spend

Source Provenance

Primary Authority Document:Official Issuer Most Important Terms & Conditions (MITC)

Last Verified Date:2026-08-21

Regulatory Compliance:RBI Master Direction – Credit Card and Debit Card Issuance and Conduct Directions

View Official Bank MITC Apply on Official Bank Website →

Related Intelligence Tools

• Calculate Your Net Value for this Card →• Check Airport Lounge Spend Criteria →• Compare with 0% Forex Cards →• Decode Credit Card Statement Charge →

Questions about Airtel Axis Bank Credit Card charges

What is the annual fee for Airtel Axis Bank Credit Card?

The annual fee for Airtel Axis Bank Credit Card is ₹500 + 18% GST (total ₹590). It can be waived by spending ₹2,00,000 in the preceding card anniversary year.

What is the foreign currency (forex) markup on Airtel Axis Bank Credit Card?

Airtel Axis Bank Credit Card charges a 3.5% foreign currency markup fee + 18% GST on all non-INR currency transactions and foreign merchants.

Does Airtel Axis Bank Credit Card offer airport lounge access in 2026?

Airtel Axis Bank Credit Card provides 1 complimentary domestic lounge visit(s) per quarter. Under 2026 bank rules, you must spend at least ₹50,000 in the preceding calendar quarter to unlock complimentary access.