Axis Bank Cashback Credit Card benefits
- RewardsUp to 7%
cashback on online spends
up to ₹4,000 per statement month
- Benefit2%
on the first ₹5,000 online each month, then 5% up to ₹40,000 and 7% above that
- Rewards0.75%
cashback on offline and travel spends
with no limit
- Rewards0.5%
cashback on utilities
up to ₹100 per statement
- Rewards
EDGE Reward points worth ₹1,000 on your first spend within 30 days
- Fees
Annual fee waived on spends of ₹4 lakh in a card year
Axis Bank Cashback Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Online shoppingOnline cashback rises in steps: 2% on the first ₹5,000 a month, 5% from ₹5,000 to ₹40,000, and 7% above ₹40,000. Our maths uses the lowest step, 2%, so it can show less than you earn on higher online spends. | 2% back | 4,000 |
| Bills and utilities0.5% cashback on utilities, up to ₹100 per statement. | 0.5% back | 100 |
| Everything else | 0.75% back | None |
No rewards on: Fuel, insurance, education, jewellery, precious metals and watches, government, wallet, rent, gift cards, and bridge, road and toll fees.
All reward rules
- Online cashback is capped at ₹4,000 per statement month. At the 7% step, ₹70,000 of online spends earn 2% on ₹5,000, 5% on ₹35,000 and 7% on ₹30,000, as in the bank's example.
- Online travel spends earn the 0.75% base rate, not the online rate.
- 0.75% base cashback on offline and travel spends has no limit.
- Cashback is credited before the next statement, with no minimum amount.
- Welcome benefit: 5,000 EDGE Reward points worth ₹1,000 on the first spend within 30 days of card issue. It applies to customers who paid the joining fee.
- Axis Bank says the terms of this card were updated from 28 August 2026.
What the Axis Bank Cashback Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0.75% | ₹270 |
| Dining and food delivery | ₹2,000 | 0.75% | ₹180 |
| Online shopping | ₹18,000 | 2% | ₹4,320 |
| Travel | ₹1,000 | 0.75% | ₹90 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.5% | ₹120 |
| Everything else | ₹3,000 | 0.75% | ₹270 |
| Total | ₹30,000 | ₹5,250 | |
| Renewal fee with GST | −₹1,180 | ||
| You keep | ₹4,070* |
Spend ₹40,000 more in the year and the renewal fee is waived.
Axis Bank Cashback Credit Card annual fee and charges
- Joining fee
- ₹1,000
- Annual fee
- ₹1,000
- Fee waiver
- ₹4,00,000 a year
- Foreign currency markup
- 3.5%
The annual fee is billed after the first card year. It is waived on eligible spends of ₹4 lakh or more in the card anniversary year. Rent, wallet loads and gift cards do not count. The bank says this fee and waiver apply to customers onboarded through its portal on or after 1 June 2024. Fees are before GST. A 1% fuel surcharge applies and is not refunded.
Axis Bank Cashback Credit Card eligibility
- Age
- 18 to 70
Applicants must live in India. Axis Bank's page gives no income figure, and it says the criteria are only indicative.
The bank alone decides approval and your credit limit.
Axis Bank Cashback Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Axis Bank's lounge programme does not list this card.
Is the Axis Bank Cashback Credit Card right for you?
A card with a ₹1,000 fee that spending can waive, paying 2% on online shopping and an average 0.75% elsewhere.
Worth its fee if you spend about ₹7,000 a month or more. Below that, the ₹1,000 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot on online shopping: the card pays 2% back there, against 0.75% on most other spends.
- You spend ₹4,00,000 a year or more (about ₹33,400 a month), so the ₹1,000 renewal fee is waived.
Not for you if
- You spend less than about ₹33,400 a month: you would pay ₹1,180 a year with GST.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Axis Bank Cashback Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Axis Bank Cashback Credit Card | ₹1,000 | 2% | ₹2,360* |
| HSBC Live+ Credit Card | ₹999 | 10% | ₹17,100* |
| Cashback SBI Card | ₹999 | 5% | ₹6,720* |
If most of your spending looks like the example above, the HSBC Live+ Credit Card may suit you better: it would leave you ₹12,360 a year, against ₹4,070 with the Axis Bank Cashback Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the Axis Bank Cashback Credit Card?
The joining fee and annual fee are ₹1,000 each before GST. The annual fee is waived on eligible spends of ₹4 lakh or more in the card anniversary year.
Is the Axis Bank Cashback Credit Card lifetime free?
No. The standard terms have a ₹1,000 joining fee and a ₹1,000 annual fee.
How does the 7% cashback on the Axis Bank Cashback Credit Card work?
Your monthly online spends are split into steps. You earn 2% up to ₹5,000, 5% from ₹5,000 to ₹40,000 and 7% above ₹40,000. Online travel spends earn 0.75% instead.
What is the cashback limit on this card?
Online cashback is limited to ₹4,000 per statement month, and utility cashback to ₹100 per statement. The 0.75% base cashback has no limit.
What is the eligibility for the Axis Bank Cashback Credit Card?
The primary cardholder must be 18 to 70 years old and live in India. Axis Bank says the criteria are only indicative.