Airtel Finance

Airtel Finance is a platform offered by Airtel that focuses on providing quality financial services at affordable rates. They are simplified, secured, and customized to meet customers’ needs with varying requirements.

With seamless and user-friendly solutions such as personal loans, credit cards, fixed deposits, and more, you can access Airtel Finance services on the Airtel Thanks App, Airtel Flexi Credit, or the Airtel Axis Bank Credit Card website.

As you read further, you will learn about each of these in detail so that you can make an informed decision on what to opt for.

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Airtel Finance offers easy and quick access to personal loans, gold loans, credit cards, credit reports, Insta EMI cards, and fixed deposits. Users get fast approvals, good interest rates, and cashback on daily spending.

Airtel Loans

Airtel Finance offers instant personal loans through its Airtel Flexi Credit platform and Airtel Thanks App. Customers who need quick access to funds for various needs such as medical emergencies, education, or home renovations can make use of these Airtel personal loans.

Here are the top features of Airtel Finance Personal Loans:

Feature	Details
Loan Amount	₹10 lakh to ₹9 lakh
Interest Rate	Starts from 12.75% per annum
Repayment Tenure	3 to 60 months
Disbursal Time	Funds credited within 24 hours
Processing Fee	2% to 5% of the loan amount + GST

Airtel Personal Loan Highlights

Instant personal loans up to ₹9 lakh, starting at 12.75% interest, disbursed within 24 hours, available through the Airtel Thanks App.

Airtel Credit Cards

The Airtel Axis Bank Credit Card is a co-branded credit card offered by Airtel Finance in partnership with Axis Bank. It provides cashback and rewards for spending when used via the Airtel Thanks App.

Here are the key features of Airtel Axis Bank Credit Cards:

Feature	Details
Joining Fee	₹500 (waived from 2nd year if annual spends exceeds ₹2 lakh)
Credit Limit	Up to ₹5 lakh
Cashback on Airtel Services	25% on Airtel bills, WiFi, DTH, and recharges
Annual Cashback	Up to ₹16,000
General Purchases Cashback	1% on all other purchases
Utility Bill Cashback	10% off gas, electricity, water bills (via Airtel Thanks app)
Food & Grocery Cashback	10% on Zomato, BigBasket, and Swiggy purchases
Airport Lounge Access	4 complimentary domestic lounge visits per year
Dining Discount	15% off at partner restaurants
Fuel Surcharge Waiver	1% on fuel transactions

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Airtel Axis Bank Credit Card Benefits

25% cashback on Airtel bills
10% on utilities, groceries, food
₹16,000 yearly cashback
Lounge access & fuel surcharge waiver

Airtel Finance EMI Cards

Also known as the Airtel Bajaj Finserv Insta EMI Card, it supports easy and flexible shopping experiences for customers. The product was launched by Airtel Finance in partnership with Bajaj Finserv.

The top features of the Airtel Bajaj Finserv Insta EMI Card are as follows:

Feature	Details
Pre-approved Credit Limit	Up to ₹3 lakh
Approval Time	Fully digital process with approval in 10 minutes
Repayment Options	No-cost EMI for up to 60 months

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Airtel Finance Fixed Deposits

Airtel Finance Fixed Deposits provides a secure and convenient way to grow your savings with guaranteed returns.

Here are its top features:

Features	Details
Interest Rate	Up to 9.1% per annum
Minimum Deposit	₹1000
Premature Withdrawal	Allowed after 7 days
Special Returns	Higher interest rates for women and senior citizens
Regulatory Approval	RBI-approved investments

Airtel Fixed Deposits Benefits

Up to 9.1% interest annually
Start with just ₹1000
Premature withdrawal after 7 days
Extra rates for women & senior citizens

You can access the Airtel Finance services via the Airtel Thanks App. Here are the steps to follow:

Download the Airtel Thanks App.
To register, enter your mobile number and verify it with OTP.
Log in using their registered mobile number and OTP.
Go to the ‘Shop’ section.
Select ‘Airtel Finance’ to access your desired product.

The Airtel Thanks app lets you easily manage recharges, bill payments, and other Airtel services. It also gives rewards like free OTT subscriptions, cashback, and special offers.

Airtel Payments Bank

The Airtel Payments Bank is India’s first payment bank that aims to provide accessible and efficient digital banking services to every Indian. Its Airtel Money Wallet allows you to make smooth digital payments and fund transfers.

Some of the top features of the Airtel Payments Bank are:

Features	Details
Account Type	Digital savings account
Minimum Balance	Zero
Interest Rate	Up to 7% per annum
Merchant Offers	Benefits worth ₹15,000 at regular partner merchants
Bill Payments	Quick utility bill payments anytime, anywhere
Rewards	Earn rewards on every purchase

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Steps to Open Airtel Payment Savings Bank Account

Here are the steps to follow to open your savings account in Airtel Payments Bank:

1. Download and open the Airtel Thanks App.

Open Digital Bank Account on Airtel Thanks App

Go to ‘Manage’ section and click on ‘Money’ tab.
Add your PAN and Aadhar Card details.
Complete your identity and location verification process.
Set your mPIN and add money via UPI.

Upon successful payment, your account will be opened and the money deposited will be transferred to your bank account.

Note: The UPI ID must be linked to your account with another bank.

Airtel Payments Bank Benefits

Zero balance savings account
Up to 7% interest
Rewards & merchant offers
Easy bill payments & UPI access

Airtel Finance Customer Care Number

If you have any queries or concerns related to Airtel Finance products, you can contact the Airtel customer service in the following ways:

Service	Contact
Airtel Axis Bank Credit Card Customer Care	Dial 121 from your Airtel number
	SMS Balance EnquirySend BAL <last three digits of card> to 5676782 from your registered mobile number
Airtel Personal Loan Customer Care	Contact customer care via the Airtel Thanks App
Airtel Payments Bank Customer Care	For Airtel Subscribers: Dial 400 For Non-Airtel Subscribers: Call 8800688006
Customer Grievance	Visit https://www.airtel.in/bank/cgo

Quick Qeries on Airtel Finance

RBI approved: Yes, via partners
Is FD safe: Yes, DICGC insured
Minimum deposit for FD: ₹1000
Loan eligibility: 18+ with income and credit score

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Frequently Asked Questions

Find answers to common questions about this topic

Yes, taking a loan from Airtel Finance is safe. They work with trusted lending partners and follow proper security and privacy rules to keep your personal information protected.

Airtel Finance offers services like instant personal loans, high-interest fixed deposits, and co-branded credit cards. These are all available digitally through the Airtel Thanks app for easy access and quick approvals.

Airtel Finance itself isn’t directly regulated by the RBI, but it offers its services through RBI-approved partners. This means the loans and deposits you get through Airtel Finance follow proper banking rules and are safe.

To get a loan from Airtel Finance, you must be at least 18 years old, have a steady income, and a good credit score. Exact requirements can vary based on the lending partner and loan amount.

Airtel Finance is a financial services platform developed by Bharti Airtel that offers a range of personalized financial solutions, including personal loans, credit cards, and fixed deposits, through collaborations with established banking partners.

Airtel Finance offers personal loans with interest rates starting at 11.5% per year, and fixed deposits with rates up to 9.1% per year, depending on the plan and your profile.

Airtel Finance offers instant personal loans up to ₹9,00,000 with flexible EMIs and interest rates. It also provides Flexi Credit, where users can choose their loan amount and repayment terms.

Yes, Airtel Finance provides the Airtel Axis Bank Credit Card, which offers benefits such as 25% cashback on Airtel services, 10% cashback on utility bill payments via the Airtel Thanks App, and complimentary domestic airport lounge access.

You can pay your Airtel loan easily through the Airtel Thanks app. It lets you view your EMIs, check payment history, and even set up auto-pay to avoid missing any due dates.

Yes, Airtel Finance provides Fixed Deposit (FD) services, offering interest rates of up to 9.1% per annum.

Yes, doing a Fixed Deposit (FD) with Airtel Finance is safe. Your money is protected up to ₹5 lakh by DICGC (a part of RBI), and the process is fully digital and secure through the Airtel Thanks app.