![]() In fact, if you don’t own a vehicle you just need Airtel credit card, Axis Ace and SBI Cashback in your wallet. ![]() The reason is definitely the 25% cashback on Airtel and the 10% cashback on utilities and preferred merchants. Honestly, to my surprise, the Airtel credit card gives a better reward rate than the Axis Ace card in many scenarios. I have created an Excel sheet below to compare Airtel credit card with SBI Cashback ( Apply Now), Axis Ace ( Apply Now) and Amex MRCC ( Apply Now). Comparison with SBI Cashback, Axis Ace, and Amex MRCC A cashback of 1.5% would have been more appropriate and that would have made this card a blockbuster card. However, I believe that the base reward rate of 1% is on the lower side. A 1% reward rate is slightly on the lower side.Īirtel credit card as such doesn’t have too many negatives. ![]() However, such credits will be considered to compute the subsequent month’s dues. Any payment not made by the cardholder such as refund, cashback, charge reversal etc will not be considered as a payment towards the outstanding of the card. Negatives Refunds not counted towards repayment Delhi, Mumbai, Bangalore, Chennai, Hyderabad, Kolkata and Pune. However, the downside is that lounge access on this card is now restricted to lounges in the 7 major cities only I.e. This credit card offers 4 domestic lounge access in a year. Thus, effectively reducing your card bill in the next cycle. □Īpply Now! Direct credit to the statement, no redemption feesĪnother good thing about the Airtel credit card is that the cashback gets credited directly to your card statement. In fact, if one uses the Tata Neu app and orders stuff on Bigbasket using this card, one will get 10% cash back on the card and 5% Neu coins (equivalent to 5% cashback) in the Tata Neu app. This feature can be used to buy groceries and other household items at a 10% discount. In addition to the cashback on Airtel and utilities bill payments, the Airtel credit card also offers 10% cashback up to 500 a month on Swiggy, Zomato and BigBasket. Preferred merchant cashback on BigBasket thru the Tata Neu app – a cool 15% cashback In case someone has tried this, please share your experience. I have a hunch that your insurance payment will also give 10% cashback of up to 300. One thing I noticed in the Airtel app is that you can make insurance payments also. Thus, you can optimize by paying one bill thru the Airtel app using an Airtel credit card and other utility bills thru the GPay app. However, since you are reading a review of a cashback card, you can also take an Axis Ace credit card ( Apply Now), which will give you 5% on the utility bill payment on the GPay app. This capping may be insufficient as the electricity and gas combined bill will be more than 3000 for many. Now, this needs the total utility bill at 3000 to get max benefit. Not getting into the nuance of Airtel products, but likely that one can get all the 3 services depending on personal choice and consumption.įurther, if you pay your utility bills thru the Airtel app, you get an additional 10% cashback (capped at 300 every month). A quick glance on Airtel’s website indicates that one can easily get 2 of the following services (broadband, DTH and mobile connection) within 1200 per month. In fact, the cashback limit of 300 per month is sufficient for personal use. The USP of Airtel credit card is the 25% cashback on Airtel payments. Thoughts on Airtel Credit Card Positives Cashback limits are quite decent Lounge access: 4 domestic lounge access in a year.
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