Axis Bank
Axis Cashback Credit Card
Your rating
Community rating
Joining Fee
₹1,000
Annual Fee
₹1,000
Reward Rate
0.5% – 7%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
cashback
Reward type
0.5% – 7%
Earn rate
₹0.2
Per point
₹4,000
Monthly cap
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- Up to 7% cashback on eligible online shopping
- 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
- 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 8 Jul 2026