Meet these thresholds and you're likely to be approved. Final call is Axis Bank's.
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
Plays grounded in this card's specific levers. Updated each time Axis Bank tweaks the program.
Paying Airtel mobile, Wi-Fi, broadband or DTH via the Airtel Thanks App earns 25% cashback — but only on the first ₹1,000 of such spend each statement cycle (₹250 monthly cap). Anything past that drops to the base 1%, so stack household connections to hit the cap but not overshoot.
10% cashback on these three preferred merchants is capped at ₹500/month — meaning ₹5,000/month of spend is the sweet spot. Beyond that you earn the 1% base rate, so split larger grocery orders across cards once you hit the cap.
Gas, electricity and similar utility payments routed via Airtel Thanks App earn 10% cashback up to ₹250/month — a separate bucket from Airtel services. Utility spend outside the Thanks App is explicitly excluded from cashback entirely.
The ₹500 Amazon eVoucher unlocks only on the first transaction within 30 days of issuance — that single offset already covers the ₹500 joining fee before GST. Don't let the card sit in the drawer; any small eligible purchase triggers it.
Annual fee of ₹500 (₹590 with GST) waives at ₹2,00,000 spend, but rent (MCC 6513) and wallet loads (MCC 6540) don't count toward that total. At ~₹16,700/month of eligible spend you're on track; watch the pace in months 10-12.
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
Charges below are base amounts; GST applies where applicable.
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
4 domestic visits per year. Primary cardholder.
Air accident cover, lost-card liability, emergency card replacement abroad.
The ₹500 fee (₹590 with GST) waives entirely at ₹2,00,000 of eligible annual spend — but rent (MCC 6513) and wallet loads (MCC 6540) don't count. Hit that and the ₹500 Amazon eVoucher welcome alone already offsets the fee, turning the card effectively free.
Last verified 2026-04. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.
