Axis Cashback Credit Card
Issuer Regulated by RBI
Axis Bank logo
Axis Bank

Axis Cashback Credit Card

Earn rewards and benefits with Axis Cashback Credit Card.

Mastercard
Regular
69
Overall CardCheck ScoreGood

Cashback Fit Score

95/100

Best for: heavy online shoppers

Joining Fee

₹1,000

Annual Fee

₹1,000

Reward Rate (%)

0.75 – 7

Statement credit

Forex Markup

3.5%

Community
(0)
Your Rating

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Reward Power

35/35

Fee Value & ROI

18/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category
Cashback Spends
95/100
Online Shopping
84/100
Dining & Food
70/100
Zero Fee & Starter
65/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

Axis Cashback Credit Card Benefits

Cashback is automatically credited to the card statement
Welcome benefit: 5,000 EDGE Reward Points (worth ₹1,000) on first transaction within 30 days
Up to 7% back on spends above ₹40,000 (capped at ₹2,150)
0.75% cashback on eligible retail and travel spends (online & offline)
0.5% cashback on utility bill payments (capped at ₹100 per statement cycle)
Maximum accelerated cashback of ₹4,000 per statement cycle
Up to 25% discount at partner restaurants via EazyDiner (up to ₹800 per month)

Axis Cashback Credit Card Rewards

How you earn back on every swipe

cashback

Reward type

0.75% – 7%

Earn rate

₹4,000

Monthly cap

₹4,000

Monthly cap

Axis Cashback Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

Joining fee₹1,000
Annual fee₹1,000
Fee waiver on annual spend₹4,00,000
Interest rate (APR)55.55%
Late payment fee (max)₹1,200
Cash advance fee2.5% (min ₹500)
Forex markup3.5%
Fuel surcharge waiverNo

Axis Cashback Credit Card Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

Things to Keep in Mind

  • Rent transactions
  • Wallet loads
  • Excluded MCCs for online cashback
  • Cash withdrawals

Card Features

Metal Card
Contactless
UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹4,00,000/yr
₹33,333/mo
Presets:
100% to Annual Fee Waiver₹3,99,996 / ₹4,00,000

Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.

Est. Base Rewards+₹3,000@0.75% base rate
Effective Fee₹1,000billed yearly
Net Annual Value+₹2,000rewards vs fee
*Estimated using standard base rate (0.75%). Excludes monthly-capped accelerated partner multipliers.Detailed Rewards Calculator →

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Axis Cashback Credit Card Eligibility

Age18+ yrs – 70
CIBIL score
750+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Up to 7% back on spends above ₹40,000 (capped at ₹2,150)
  • Cashback valid across merchants, not limited to specific brands
  • Welcome benefit offsets the joining fee
  • Base cashback on offline, travel, and utility spends
  • High monthly cashback cap of ₹4,000
  • EazyDiner dining discounts included
  • Automatic cashback credit with no redemption process
  • Good option for heavy online shoppers
Cons
  • Cashback structure is tier-based and relatively complex
  • ₹4 lakh annual spend required for fee waiver
  • No airport lounge access
  • No fuel surcharge waiver
  • No cashback on rent, fuel, wallet loads, insurance, education, government payments, and several excluded categories
  • Utility cashback limited to ₹100 per statement cycle
  • Base cashback on offline spends is only 0.75%
  • High forex markup of around 3.5%

Quick Links

Data last updated 4 Sept 2026

All Axis Bank credit cards →Best Cashback Cards
Free Rewards Math Simulator

Calculate your exact earnings with Axis Cashback Credit Card

Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.

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