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Credit Cards · India

Axis Bank Cashback Credit Card

Updated 28 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 logo
Axis Bank Cashback Credit Card
Visa logo
  • 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.
Data verified 28 Jul 2026 — see our methodology
Axis Bank logoAxisVisa logoentry
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Rewards 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

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Online shopping₹600/mo

    You spend ₹15,000 · earns 4.0% = ₹600 uncapped

    • Capped at ₹4,000/mo
  • Groceries₹250/mo

    You spend ₹8,000 · earns 3.1% = ₹250 uncapped

    • Capped at ₹4,000/mo
  • Dining & food delivery₹250/mo

    You spend ₹8,000 · earns 3.1% = ₹250 uncapped

    • Capped at ₹4,000/mo
  • Utilities & bills₹100/mo

    You spend ₹5,000 · earns 2.0% = ₹100 uncapped

    • Capped at ₹4,000/mo

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.8% = ₹75/mo
Est.net rewards for this spend, realistic
₹15,300/yr

₹15,300 rewards − ₹0 annual fee. Estimate for the spend you entered.

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.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹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)
    Tiered on NET MONTHLY online (card-not-present) spend, marginal slabs, rates RISING with spend: 2% on the first ₹5,000 (max ₹100); 5% on ₹5,001–₹40,000 (max ₹1,750); 7% above ₹40,000 (max ₹2,150). Total accelerated cap ₹4,000 per statement month, reached at ₹70,714 of qualifying monthly spend (blended 5.66% at full utilisation). Verified against the Axis Bank Cashback Credit Card Member Terms and Conditions PDF (created 2026-06-08), section 5 "Earn Cashback" and the worked examples on pages 6-7. NOTE: the 0.75% base does NOT backstop online overflow — per the same section base cashback is paid only on "offline spends (POS/card present transactions) or spends on travel", so qualifying online spend beyond the ₹4,000 cap earns NOTHING. The schema cannot express either the rising slabs or the channel-scoped base; see docs/TODO.md.
  • 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
  • Accelerated online cashback is tiered on net monthly spend: 2% to ₹5,000 (max ₹100), 5% on ₹5,001-₹40,000 (max ₹1,750), 7% above ₹40,000 (max ₹2,150).
  • Total accelerated cap ₹4,000 per statement month, reached at ₹70,714 of qualifying spend.
  • Base 0.75% is paid ONLY on card-present (POS) spend and on travel; it does not apply to online spend, so online spend past the ₹4,000 cap earns nothing.
  • Utility bill-payment cashback (0.5%) capped at ₹100 per month (MCCs 4816, 4899, 4900).
  • Excluded MCCs earn no cashback under any category: transportation & tolls, insurance, educational institutions, jewellery/precious metals/watches, government institutions, wallet, rent, fuel.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • government
  • education
  • jewellery
  • emi

Sources

Last verified 28 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.
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