{
  "id": "axis-airtel-credit-card",
  "locale": "hi",
  "name": "Airtel Axis Bank Credit Card",
  "bank": "Axis Bank",
  "cardType": "cashback",
  "cardTier": "mid",
  "annualFee": "₹500 + GST",
  "loungeAccess": "4 घरेलू लाउंज विज़िट/वर्ष (₹50,000 तिमाही खर्च शर्त)",
  "rewardsRate": "Airtel पर 25% · बिजली, पानी बिल, Swiggy, Zomato पर 10%",
  "bestFor": "Airtel उपभोक्ता, मासिक बिजली/पानी बिल और खाना डिलीवरी पर नकद बचत",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/airtel-axis-bank-credit-card",
  "aiVerdict": {
    "score": 4.8,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "axis-airtel-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — Airtel Axis Bank Credit Card schedule of charges",
    "Airtel Thanks app — cashback terms and merchant capping policy"
  ],
  "feeWaiver": "₹2 लाख वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Airtel बिल रेट",
      "value": "25% (₹250/माह कैप)"
    },
    {
      "key": "यूटिलिटी बिल",
      "value": "10% (₹250/माह कैप)"
    },
    {
      "key": "फूड डिलीवरी",
      "value": "10% on Swiggy/Zomato"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹500 + GST"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹2 लाख सालाना खर्च"
    },
    {
      "key": "रिडेम्पशन",
      "value": "बिल में ऑटो-क्रेडिट"
    }
  ],
  "earnRates": [
    {
      "category": "Airtel मोबाइल, वाईफाई और DTH (Thanks App)",
      "rate": "25.0%",
      "monthlyCap": "₹250 / माह कैप",
      "perLakhSpent": "₹25,000 (अधिकतम ₹250)"
    },
    {
      "category": "बिजली, गैस, पानी के यूटिलिटी बिल",
      "rate": "10.0%",
      "monthlyCap": "₹250 / माह कैप",
      "perLakhSpent": "₹10,000 (अधिकतम ₹250)"
    },
    {
      "category": "Swiggy, Zomato और BigBasket",
      "rate": "10.0%",
      "monthlyCap": "₹250 / माह कैप (साझा)",
      "perLakhSpent": "₹10,000 (अधिकतम ₹250)"
    },
    {
      "category": "अन्य सामान्य रिटेल खर्च",
      "rate": "1.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "₹1,000 Cashback"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [],
  "redemptionRoutes": [
    {
      "route": "ऑटो स्टेटमेंट क्रेडिट",
      "value": "₹1.00 प्रति ₹1.00 कैशबैक",
      "minPoints": "₹0 (ऑटो-क्रेडिट)",
      "ceiling": "₹750 / माह",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन लेनदेन (सरचार्ज माफी लागू)।",
    "वॉलेट लोड और सरकारी कर।",
    "EMI रूपांतरण।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹500 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹500 + GST (₹2 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.75% प्रति माह (52.86% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "18 से 70 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹25,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹3.6 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}