Airtel Axis Bank Credit Card, Rewards and Benefits, Joining Fees Charges, Apply Online

Airtel Axis Bank Credit Card: HDFC Bank and Paytm have collaborated to introduce a co-branded credit card, offering a plethora of benefits tailored to the modern consumer’s lifestyle. The HDFC Paytm Credit Card caters to individuals who frequently engage with Paytm’s extensive ecosystem of services, from digital payments to shopping and entertainment.

One of the key highlights of this credit card is its rewards program, which allows cardholders to earn Paytm Points on every transaction. These points can be redeemed for a variety of rewards, including cashback on Paytm transactions, flight tickets, hotel bookings, and merchandise from the Paytm Rewards Catalog.

Additionally, the HDFC Paytm Credit Card provides exclusive offers and discounts on a range of partner merchants, spanning categories such as groceries, dining, travel, and entertainment. Cardholders can enjoy cashback, discounts, or special deals when they use their card at these participating outlets.

Furthermore, the card offers various lifestyle benefits, including complimentary airport lounge access, fuel surcharge waivers, and milestone rewards based on spending patterns. It also comes with enhanced security features, including zero liability on lost or stolen cards, ensuring peace of mind for cardholders.

The annual fee for the HDFC Paytm Credit Card is competitively priced, with attractive welcome offers and introductory benefits for new cardholders. Overall, this co-branded offering combines the strengths of HDFC Bank’s robust credit card infrastructure with Paytm’s digital ecosystem, making it a compelling choice for tech-savvy consumers looking to maximize their rewards and convenience.

Rewards and Benefits

• Movie & Dining: Indulge in the finest dining experiences while saving big with our latest offer! Enjoy up to 20% off at over 4000 top-notch restaurants participating in this exclusive promotion. Whether you’re craving exquisite cuisine or seeking a cozy spot for a casual meal, our extensive network of restaurants has something for every palate.
• Rewards Rate: But that’s not all – elevate your lifestyle with our unparalleled rewards program. Earn a whopping 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH recharges, ensuring savings on essential services. Additionally, get 10% cashback on utility bill payments via the Airtel Thanks app, making managing expenses hassle-free. For foodies on the go, rejoice in 10% cashback on popular platforms like Swiggy, Zomato, and BigBasket, turning every meal into a rewarding experience. And for all other purchases, enjoy a generous 1% cashback, adding value to every transaction.
• Reward Redemption: Redeeming rewards has never been easier – receive direct cashback credited to your credit card statement, giving you instant savings without any hassle.
• Travel: Enhance your travel experience with complimentary domestic lounge access, offering a luxurious retreat before your flight. With four complimentary visits per year, relax in style and comfort while waiting for your departure.
• Golf: NA
• Zero Liability Protection: Rest assured with our zero liability protection, ensuring your peace of mind in case of any fraudulent transactions on your lost or stolen card. Simply report the loss to the bank promptly, and we’ll handle the rest, keeping you protected at all times.

Fees & Charges

• Spend Threshold Incentive: Gone are the days of rigid annual fees. Embracing a customer-centric approach, we now offer a Spend-Based Waiver program. Simply put, if you spend Rs. 2 lakhs or more in the previous year, your annual fee is waived. This not only rewards loyal customers but also incentivizes spending while aligning with individual financial goals.
• Seamless Rewards Redemption: In our commitment to simplicity, we have eliminated Rewards Redemption Fees. Now, redeeming your hard-earned rewards is entirely hassle-free. Whether you prefer cashback, travel perks, or merchandise, accessing your rewards has never been easier.
• Global Transactions Made Affordable: Traveling abroad or making international purchases? Say goodbye to exorbitant fees. Our Foreign Currency Markup stands at a competitive 3.5% of the total transaction amount, ensuring that you enjoy seamless global transactions without breaking the bank.
• Competitive Interest Rates: We understand that financial flexibility is paramount. Therefore, we offer competitive interest rates of 3.6% per month, allowing you to manage your finances with confidence and ease.
• Fuel Surcharge Waiver: Fueling up your vehicle shouldn’t cost extra. With our revamped benefits, enjoy a 1% fuel surcharge waiver on all transactions ranging from Rs. 400 to Rs. 4,000. Whether you’re commuting to work or embarking on a road trip, every fuel purchase is now more economical.
• Streamlined Cash Advance Charges: Occasional cash advances are part of financial management. However, excessive fees shouldn’t burden you. Our Cash Advance Charges stand at just 2.5% of the withdrawn amount or Rs. 500, whichever is higher, ensuring that accessing cash is convenient and cost-effective.
• Enhanced Cardholder Experience: In our commitment to enhancing your experience, we’ve abolished Add-on Card Fees. Whether you’re sharing your benefits with family members or empowering your employees, adding supplementary cards is now completely free.

Product Details

• Airtel Axis Bank Credit Card, where perks and benefits await at every turn. As a warm welcome, receive an Amazon gift voucher worth Rs. 500 upon card activation, setting the stage for a gratifying experience from the outset.
• Maximize your savings with up to 25% cashback on Airtel Mobile, broadband, and DTH bill spends through the Airtel Thanks app. This exclusive offer ensures that every payment made through the app brings back substantial returns, enhancing your financial efficiency.
• Enjoy further convenience with 10% cashback on gas, electricity, and water bill payments via the Airtel Thanks app. Simplify your utility bill payments while enjoying attractive cashback rewards, transforming mundane transactions into opportunities for savings.
• Indulge your culinary cravings with 10% cashback on popular food delivery platforms such as Swiggy, Zomato, and BigBasket. Whether dining in or ordering out, every culinary adventure becomes a chance to earn rewarding cashback.
• For all other retail spends, earn 1% cashback, ensuring that every purchase contributes to your savings goals. This versatile cashback feature adds value to your everyday expenses, making each transaction more rewarding.
• Experience luxury and comfort with four complimentary domestic lounge access passes every year, providing a tranquil retreat amidst your travels. Whether for business or leisure, these lounge accesses elevate your travel experience to new heights of comfort and sophistication.
• Say goodbye to fuel surcharges with a 1% waiver on all fuel transactions, offering relief at the pump with every fill-up. This additional benefit further enhances your savings potential, making each journey a smoother and more cost-effective experience.
• Moreover, enjoy the added advantage of a spend-based waiver of the annual fee, rewarding your financial prudence and responsible spending habits. This feature underscores the card’s commitment to providing value to its users, ensuring that your loyalty is recognized and rewarded.

Pros/Cons

Pros:

1. Unlock substantial savings with an exclusive 25% cashback on Airtel Mobile, WiFi, Broadband, and DTH services. This generous cashback offer ensures that every payment made towards essential Airtel services rewards you with significant returns, maximizing your utility expenses.
2. Enjoy the flexibility of earning a 1% cashback on all other purchases, providing you with additional savings opportunities beyond Airtel services. Whether shopping for groceries, dining out, or indulging in retail therapy, every transaction earns you valuable cashback rewards, contributing to your financial well-being.
3. Experience seamless accessibility with the Airtel Axis Bank Credit Card’s easy application process. With swift processing and delivery within 7 to 10 days, you can swiftly acquire your card and begin enjoying its benefits without delay, adding convenience to your financial management journey.

Cons:

1. While the Airtel Axis Bank Credit Card offers access to domestic lounges, international lounge access is not included. This limitation may impact frequent travelers who often embark on international journeys and seek lounge amenities for comfort and relaxation during layovers or transit.
2. While the card presents significant advantages for individuals who regularly utilize Airtel services for bill payments and utilities, its utility may be limited for those who predominantly rely on alternative payment platforms such as Amazon Pay or Google Pay. Users who frequent these platforms may find limited opportunities to maximize the card’s benefits, potentially reducing its overall appeal.

Airtel Axis Bank Credit Card Features and Benefits

Airtel Axis Bank Credit Card emerges as a powerful tool for maximizing savings and enhancing lifestyle experiences. With a host of benefits tailored to suit the needs of Airtel loyalists and savvy spenders alike, this card promises unmatched value and convenience. Let’s delve into its unique features and explore how it can elevate your financial journey.

Exclusive Welcome Benefits

Embark on your credit card journey with a delightful welcome gift. Upon making your first transaction within the initial 30 days of card issuance, receive an Amazon gift voucher worth Rs. 500 as a token of appreciation. It’s the perfect way to kickstart your experience with this feature-rich card.

Cashback Rewards Galore

Unlock a world of cashback rewards tailored to complement your lifestyle. Enjoy a generous 25% cashback on Airtel mobile, DTH, WiFi, and broadband recharges via the Airtel Thanks app, with a monthly cap of Rs. 250. Additionally, revel in 10% cashback on utility bill payments through the same app, further enhancing your savings potential. Delight in 10% cashback on partner brands like Swiggy, Big Basket, and Zomato, with a monthly cap of Rs. 500. Plus, earn 1% cashback on all other retail spends, ensuring rewards with every purchase.

Dining Delights

Indulge your palate and save simultaneously with the Axis Bank’s Dining Delights Program. Enjoy up to 20% discount at over 4000 participating restaurants nationwide, adding a flavorful touch to your dining experiences.

Luxurious Travel Privileges

Transform your travel experiences with complimentary domestic lounge access. Accessible four times a year, these lounges offer a sanctuary of comfort and luxury, ensuring a seamless journey. Your eligibility for lounge access is determined by your card spends in the preceding three calendar months, adding an element of exclusivity to your travels.

Fuel Surcharge Waiver

Bid farewell to fuel surcharges with a convenient 1% waiver on all transactions ranging from Rs. 400 to Rs. 4,000. Maximize your savings with a monthly cap of Rs. 500, making every fuel purchase a rewarding experience.

Spend-Based Fee Waiver

Enjoy the flexibility of fee waivers based on your spending habits. With an annual fee of Rs. 500 waived off from the second year onwards upon spending Rs. 2 lakhs or more in the previous anniversary year, managing your finances becomes even more rewarding.

Seamless Application Process

Obtaining the Airtel Axis Bank Credit Card is hassle-free. Simply download the Airtel Thanks app and navigate to Shop > Financial Services > Apply Now to embark on your journey towards unparalleled savings and convenience.

Conclusion

The Airtel Axis Bank Credit Card redefines the essence of smart spending, offering a plethora of benefits designed to cater to your diverse needs. Whether you’re a frequent traveler, a food enthusiast, or a savvy shopper, this card is your gateway to a world of savings and privileges. Elevate your financial journey and unlock a realm of possibilities with the Airtel Axis Bank Credit Card.