airtel axis bank credit card review

Airtel Axis Bank Credit Card Review

Airtel Axis Bank Credit Card Review

Airtel recently launched a credit card with partnership of Axis Bank for exclusive Airtel customers. Airtel Axis bank credit card is more benefitial for those type of customers who uses their credit card for paying bills, order online food & travels.

Let’s know what benefit offering us Airtel Axis Bank Credit Card.  You will get 25% Cashback on Airtel Mobile, Wi Fi & DTH recharges if you recharge through airtel thanks app. This is the one of the best offer is you are a loyal customer of Airtel. Also get 10% cashback on some partner brands & utility bill payments via airtel thanks app.

Not enough, Continue reading our Airtel Axis Bank Credit card review for know more benefits, charges & application process.

airtel axis bank credit card review

Product Highlights:

Pricing & Charges

Airtel Axis Bank Credit Card Benefits


You love this credit card if you uses credit card for ordering online food, paying bills and travelling frequently. We written in details below offers and cashback what you get in this credit card and also pros & cons of this credit card.


Joining/ Renewal Fees: Rs 500/-

Card Type




Issued By


Welcome Benefits

  • As a welcome gift, You will get eVoucher of Amazon of value of 500 rupees if you made any payment with this card within 30 days of card issue date.

Discounts & Cashbacks

  1. You get 25% cashback on Airtel DTH, Mobile and Wifi, If you do through Airtel Thanks app. (Maximum benefit Rs 300 permonth)
  2. You get 10% Cashback on Utility Bill payments like electricity bill, water bill if you do through Airtel Thanks app. (Maximum benefit Rs 300 per month)
  3. You get 10% Cashback on few this credit card partner online brands like Swiggy, Bigbasket, Zomato. (Maximum benefit Rs 500 per month)
  4. Get upto 20% off partner restaurents in India
  5. You get 1% cashback on all other remaining transactions.
  6. As like other credit cards, You get 1% fuel surcharge waiver on fuel spends in this credit card

Airport Lounge Access

  • Through this credit card get 4 domestic airport lounge access per year (1 every quarter).

Airtel Axis Bank Credit Card Eligibility

If you want to take this credit card, so you have to fulfill of this credit card eligibility criteria. After that you can take this credit card..

  1. Age should be in between 18 to 70 Yr.
  2. Credit card applicant should be an Indian.
  3. This credit card is only available for selected customer. If you see a banner or credit card option in Airtel Thanks app or if you get any type of message from airtel to apply the card, then you can take this credit card

Documents Required:

  • Residence Proof: Aadhar Card/ Voter ID/ Passport/ Driving License
  • Identity Proof: Pan Card, Aadhar Card, Voter ID, Passport, Driving License
  • Income Proof: Payslip/ ITR Copy/ Form 16
  • A colur photograph

Airtel Axis Bank Credit Card Application Process

You can get this credit card only when you are a customer of airtel and using airtel thanks app. If you are eligible for this credit card you will see a banner in Airtel Thanks app or see credit card apply section in app. 

Also, Airtel send whatsapp message to eligible customer  If you get any message from Airtel or Airtel Finance to apply this credit card. Then you can apply this credit card through Airtel Thanks app.

Final Thoughts

Overall we see about this card, in this airtel axis bank credit card review post, this card is more useful and benefitial of a airtel regular customer and uses airtel products. Airtel mostly services in telecom, dth and broadband services. So if you are using these product of airtel you will get 25% cashback. Its a very good cashback in recharge. We all know airtel retailer earn only 3 to 4% maximum of recharge amount. So through this credit card you will save a good amount in every month if you are using multiple product of airtel.

Apart from recharge, In today a days we use electricity, water and gas also for day to day life. Airtel also keep in mind these things and offer cashback of 10% on utility bills.

Now if we talk about benefits on food and travel. So one thing missing in this credit card we dont get offers or cashback on hotels and flight tickets, but Airtel offers cashback & discount on online food app, 4000 partner restaurents and also get free airport lounge access. Also in this credit card there is no minimum spend limit for recieve cashback, its a good thing.

Because, It is a Visa credit card, so you are also eligible to all offers and discounts, who offer by Visa network. After application approval, you will receive this physical credit card within 7 to 10 days.

If you have any queries or complaint regarding airtel axis bank credit card, You have to contact axis bank helpline no @ 1860 500 5555 or 1860 419 5555

hdfc millennia credit card review

HDFC Millennia Credit Card Review

HDFC Millennia Credit Card

HDFC Millennia Credit Card is one of the premium segment credit card of HDFC Bank. With some condition, you will take this card without any joining or annual fees. HDFC Bank offers lots of discounts and cashbacks with Millennia Credit Card. 

In this Card, You will get 5% cashback on Amazon, Flipkart, Swiggy, Uber and also lot of brands. Apart from this, with this card you will get free airport lounge access, fuel surcharge waiver, Exclusive Dining Privileges and many more facilities.  

We have written in HDFC Millennia Credit Card review with details benefits and specifications. Hope you will enjoy it.

hdfc millennia credit card review

Product Highlights:

As a Welcome gift get 1000 Cashpoints on payment of joining fees.

Get 5% Cashback on Online Brands like Flipkart, Amazon, Swiggy, Zomato, Uber, Bookmyshow, Myntra, Tata CLIQ and Cult Fit.

Get 8 Complimentary Domestic Lounge Access every year (2 per quarter) in HDFC Millennia Credit Card on selected airport.

With this card, get upto 20% discount via dineout on partner restaurents.

Get 1% cashback on all other transactions also on EMI Purchases (except fuel).

HDFC Millennia Credit Card Features & Benefits

Welcome Benefits & Cashback

As a Welcome offer, Get 1000 Cash Points on payment of Joining fees.

5% Cashback on Select Online Brands like Swiggy, Zomato, Flipkart, Uber, Amazon, Bookmyshow, Myntra.

1% Cashback on all other online and offline spends (except fuel) like other credit cards.

Through Dineout, Get 20% discount on partner restaurents.

On spends of Rs 1,00,000 ond above in a calender quarter, Get gift vouchers worth Rs 1000

Joining & Renewal Fees

Joining Fees: Rs 1000/- & taxes

Renewal Fees: Rs 1000/- & taxes

Renewal fees waived off by Bank, if customer spend minimum 1 lac rupees in previous 12 months.

Through some condition, customer can also get this card is lifetime free.

Fuel Surcharge Waiver

Get 1% fuel surcharge waiver through HDFC Millennia Credit card at all fuel stations in india. (Transaction value is in betwen Rs 400 to Rs 5000)

In per billing cycle, you can get maximum fuel surcharge waiver 250 rupees.

Airport Lounge Access

Get 8 Domestic airport lounge access per year (Maximum 2 Lounge access per quarter)

Reward Points

In Millennia Card, You will earn cashback in form of cashpoints, Which you have to redeem.

If You redeem cashpoints against statement balance then, 1 Cashpoint = 1 Rupees.

If You redeem cashpoints at HDFC Smartbuy portal then 1 Cashpoint = 0.30 Rupees.

Minimum 500 cashpoints is mandatory to redeem cashpoints against statement balance.

Movies & Restaurents

Get 5% cashback on movie tickets through Bookmyshow, if you access bookmyshow via HDFC Payzapp.

Get 2.5% cashback on movie tickets, if you book tickets through online.

Get 2.5% cashback on entertainment app subscriptions like Netflix, Amazon Prime, Hotstar.

Get 2.5% cashback on online food delivery apps.

Get 20% discount on Dineout partner restaurent through Dineout app.

HDFC Millennia Credit Card Fees & Charges

Cash Advance Fee: 2.5% of cash amount withdrawn or 500 Rupees Whichever is more higher.

Overlimit Charges: 2.5% of overlimit amount or 550 Rupees Whichever is more higher.

Balance Transfer Charges: 1% amount of Balance Transfer amount or 250 Rupees Whichever is higher.

Interest Rate: If you not pay your due amount of credit card before due date, then you have to pay 3.6% monthly interest on due amount.

Late Payment Charges: With interest rate, you have also to pay late fine charges if you not pay your due amount on before due date. Late fine vary upon credit card outstanding balance, mentioned details below.

HDFC Millennia Credit Card Eligibility

There are 3 methods to get HDFC Millennia Credit card easily if you have not any pre-approved offer from HDFC Bank. Mention below these methods:

SalariedSelf EmployedCard Against Card
Minimum Salary: INR 35,000 p.m. (Net Salary)Minimum ITR: INR 6 lac annual ITR requiredMinimum Competitor Credit Card limit: 1 Lac
Documents Required: Aadhar Card/Voter ID/Passport, Pan Card, Photo, Latest 2 month payslip & Latest 2 month bank statement.Documents Required: Aadhar Card/Voter ID/Passport, Pan Card, Photo, Latest ITR Slip & 3 month bank statement.Documents Required: Aadhar Card/Voter ID/Passport, Pan Card, Photo, Latest competitor Credit Card Statement (Card should be 6 month old)


Great, You read all about HDFC Millennia Credit Card, but still you are in doubt, it is good for you or not. Then Don’t worry we summarise for you. 

You can get this card lifetime free with some condition and also you can good credit limit in Millennia Credit card. In this credit card also in some condition 1 Reward Points : 1 Rupee. If you are a online shopper then this card is worthful for you because you get 5% cashback on online major brands. You get also free access at domestic airport lounge in the HDFC Millennia credit card also.

One also benefit if you take hdfc millennia credit card you are also eligible for pre-approved loan from HDFC Bank without any documents like in today days some loan apps are offering loan without any documents.

Now you can consider you want to member of HDFC Millennia Credit Card or not?



how to build credit score without credit card

How to Build Credit Score Without Credit Card?

Do you want to know, How to Build a Credit Score Without a Credit Card?

If you do have not a credit score right now, don’t worry. After this blog reading, you have proper guidance on how to build a credit score even if you do have not a credit card.

In today, you know credit score is most important for everyone. Without a credit score its very less probability to take any type of unsecured loan or credit card. But don’t worry here we found a solution for you.

5 Unique Methods to Build Your Credit Score 

Here you will read 5 different ways of improving your credit score, we will also not tell you to take secure credit cards, our methods will be different.

1. Ola Postpaid

Here first method is to use Ola postpaid you might think that how is that possible?

Ola postpaid is shown as a loan in your credit report. So it definitely has an impact on your Cibil score. But why is only Ola postpaid? Why not other similar products, this is because Ola has a very unique data on you. Ola knows whether you have been consistent with your cab ride payments since the time you are using their service. If you miss their payment then your account will get cancelled.

Now they use this unique insight and use a lot of other data points from your SMS, emails, etc and create your profile.  A limit is given to every account. It is also given to people who do not have a Cibil score. 

If you don’t have a CIBIL score then availing of Ola postpaid could be a very good option for you. Make your payments on time and within 5 to 6 months your credit score will improve, But before taking this limit, be sure that you clear all your dues on time.

2. P2P Loan

If you don’t have a good credit score then many banks will not entertain you. Even if they do, there will be a lot of formalities.

To solve this problem, P2P can be a really good solution. There are at least 10 different platforms in India with varied requirements. There are some platforms that give you a loan without checking your Cibil score. The interest rate will be high but it may still make sense for some people. These are short-term loan with minimum documentation. 

So make timely payments for your P2P loan and within 5-6 months your CIBIL score will improve.

3. Loan against mutual funds

There are many people who don’t have credit score but they invest in mutual funds.

This method is applicable to them. Banks will give you a loan against your mutual fund by keeping it as security money. You will get half of your mutual fund amount as loan without any Cibil score.

If you have a mutual fund of Rs 10000, then you will easily get loan of up to Rs 5000. If you timely repay the loan, then your Cibil score will improve.

4. Gold Loan

Many NBFCs don’t check your CIBIL score before giving a gold loan.

One example of this is Shriram City Union Finance. This is because they will keep, your gold as security. You can take loan of up to 50-60% of your gold’s value without any Cibil Score.

So if you have gold worth Rs 50,000  then you can easily get the loan of up to Rs 25-30000.

This method may not work for students or people who have just started earning. But this could work very well for people who have just gotten married or are in their 30s.

5. Instant Personal Loan

You can improve your CIBIL score by taking an instant personal loan.

Many people think that they will not get a personal loan because they don’t have a credit score. But many new-age companies today give loan to many borrowers without looking at their Cibil score. It will be more expensive than a normal loan but if you repay it timely, It will improve your credit score.

So that’s it these were the 6 methods to improve your credit score. I hope now you can build your credit score with these methods. Still any doubt comments down below.