Axis Bank Cashback Credit Card
Updated 3 Jul 2026Source-linked
The Axis Bank Cashback Credit Card is a entry credit card from Axis Bank, with a joining fee of ₹1,000 + GST.
It earns up to 7% on online spends spends in the form of cashback.
Welcome benefit: EDGE Reward Points worth ₹1,000..
Axis Bank Cashback Credit Card
- Joining Fee₹1,000
- Annual Fee₹1,000
- Best Suited ForCashback
- Reward TypeCashback
Rewards Rate
- 7% on online spends (cap 4000 cashback inr / monthly)
- 0.5% on utilities bill payments (cap 100 cashback inr / monthly)
- Base 0.75% on other spends
Welcome Benefits
- EDGE Reward Points worth ₹1,000.
AxisentryRewards and Benefits
Rewards Rate
7% on online spends (cap 4000 cashback inr / monthly)
0.5% on utilities bill payments (cap 100 cashback inr / monthly)
Base 0.75% on other spends.
Reward Redemption
Cashback auto-credited before next statement with no minimum amount requirement.
Welcome Benefits
EDGE Reward Points worth ₹1,000.
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹4,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.00% per month (36.0% annualised)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- entry card issued by Axis Bank.
- Joining / annual fee of ₹1,000 + GST, waived on annual spends of ₹4,00,000.
- Available on the Visa network.
Pros & Cons
Pros
- Annual fee waivable on ₹4,00,000 spend.
- Accelerated earn worth ≈7.0% on online spends.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
₹1,000 welcome benefit
- EDGE Reward Points worth ₹1,000.First transaction within 30 days of card issuance.Window: 30 days from issuance.
Accelerated rewards
- 7% on online spends (cap 4000 cashback inr / monthly)Up to 7% cashback on online spends; earn up to ₹4,000 per statement month.
- 0.5% on utilities bill payments (cap 100 cashback inr / monthly)0.5% cashback on utility bill payments, capped at ₹100 per month.
Capping rules
- Online-spend cashback (up to 7%) capped at ₹4,000 per statement month.
- Utility bill-payment cashback (0.5%) capped at ₹100 per month.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- government
- education
- jewellery
- emi
Sources
- : www.axis.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–70
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.