Base reward rate: Up to 25% cashback on Airtel bills, 10% on utility bills and select platforms, 1% on other spends
Redemption options: Cashback
Redemption value: 1 Pt = ₹1.00
Fees & Charges
Joining fee: 500
Annual fee: 500
Pros
Exceptional 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH bill payments made via the Airtel Thanks app.
High 10% cashback on essential spending categories like utility bills (via Airtel Thanks app) and on popular platforms like Zomato, Swiggy, and BigBasket.
Complimentary domestic airport lounge access with 4 visits per year (1 per quarter), a premium feature for a card at this fee level.
The joining fee of ₹500 is effectively nullified by the welcome bonus of a ₹500 Amazon e-voucher on the first transaction.
The annual fee of ₹500 is waived on a relatively achievable annual spend of ₹2,00,000, making the card potentially free to hold long-term.
Cons
The high cashback rates are severely limited by low monthly caps: ₹250 on Airtel spends (max spend of ₹1,000), ₹250 on utilities (max spend of ₹2,500), and ₹500 on food/groceries (max spend of ₹5,000).
A wide range of common spending categories are completely excluded from earning any rewards, including fuel, rent payments, wallet reloads, insurance, and EMI transactions.
The complimentary lounge access is conditional upon a minimum spend of ₹50,000 in the previous calendar quarter, which can be a high threshold for the card's target segment.
Carries a high foreign currency transaction fee of 3.50%, making it an expensive choice for international use.
Best Use Case
Airtel users who frequently pay bills via the Airtel Thanks app and spend on Zomato, Swiggy, BigBasket, or Blinkit.