Axis Airtel Rupay Credit Card

About Credit Card

The Axis Airtel RuPay Credit Card, a co-branded offering from Axis Bank and Airtel, focuses on cashback rewards for Airtel users and everyday digital spends via UPI integration.

Key Features

Supports seamless UPI linking for payments, EMI conversions, and AutoPay, with 1% cashback on UPI transactions.
Offers 4 complimentary domestic airport lounge visits per year.
Includes 1% fuel surcharge waiver on transactions between ₹400–₹4,000, up to ₹500 monthly.

Rewards Structure

25% cashback on Airtel mobile, broadband, DTH, and WiFi bills via Airtel Thanks app (capped at ₹250/month).
10% cashback on utility bills (electricity, water, gas) via Airtel Thanks app (capped at ₹250/month).
10% cashback on select merchants like Swiggy, Zomato, and BigBasket (capped at ₹500/month).
1% unlimited cashback on all other eligible spends.

Fees and Charges

Joining and annual fee: ₹500 + GST, waived on ₹2 lakh annual spends.
Foreign currency markup: 3.5% + GST.
Interest rate: 3.6% per month (43.2% annually) on revolving balances.

Best For

Ideal for Airtel subscribers in India making frequent bill payments and UPI transactions, offering strong value for low-fee digital spending.

Eligibility Criteria

Basic Requirements

Age: Primary cardholder must be 18-70 years old (some sources specify 21-65).
Residency: Must be an Indian resident.
Income: Minimum ₹25,000 monthly for salaried; self-employed need ITR > ₹3.6 lakh annually.

Credit and Employment

Employment: Salaried or self-employed individuals.
Credit Score: Preferably 736+ for better approval and limits.

Required Documents

Identity Proof: PAN, Aadhaar, Passport, Voter ID, or Driving License.
Address Proof: Aadhaar, Passport, Voter ID, or Driving License.
Income Proof: Latest payslip, bank statement, Form 16, or ITR.
Other: Color photograph.

Apply via the Airtel Thanks app with these details for quick, paperless processing.

How to Apply?

Application Steps

Download/open the Airtel Thanks app (preferred) or visit the Axis Bank website/Airtel finance page.
Navigate to the Credit Card section and select the Airtel Axis RuPay variant (specify RuPay if prompted to avoid Visa/Mastercard).
Enter personal details (name, mobile, PAN, DOB), employment info, and income proof (salaried: ₹25k+/month; self-employed: ITR ₹3.6L+).
Upload documents: PAN/Aadhaar (ID/address proof), salary slip/ITR/bank statement (income proof), and a color photo.
Submit and await instant eligibility check; approval leads to card delivery in 7-10 days.

Tips for Success

Existing Airtel customers get priority via Thanks app for paperless verification.
Call Axis helpline (1860 419 5555) post-submission for RuPay confirmation if needed.

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