Axis BankAxis Cashback Credit Card
Earn rewards and benefits with Axis Cashback Credit Card.
Top Category Performance
Cashback (95/100)
Joining Fee
₹1,000
Annual Fee
₹1,000
Reward Rate (%)
0.5 – 7
Forex Markup
3.5%
Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.
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
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring 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
Axis Cashback Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
0.5% – 7%
Earn rate
₹0.2
Per point
₹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 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.
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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Axis Cashback Credit Card Eligibility
Employment type
Pros & Cons
- 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
- 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 6 Aug 2026
Top Alternatives in this Category
Highly rated alternatives evaluated by our deterministic scoring engine
Popular Comparisons for Axis Cashback Credit Card
Direct side-by-side MITC term matchups
Axis Cashback Credit Card vs Adani One ICICI Bank Platinum Credit Card
ICICI Bank · ₹750
Axis Cashback Credit Card vs Amazon Pay ICICI Bank Credit Card
ICICI Bank · Free
Axis Cashback Credit Card vs American Express SmartEarn Credit Card
American Express · ₹495
Axis Cashback Credit Card vs AU Altura Plus Credit Card
AU Small Finance Bank · ₹499
Axis Cashback Credit Card vs AU ixigo Credit Card
AU Small Finance Bank · Free
Axis Cashback Credit Card vs AU KOSMO Credit Card
AU Small Finance Bank · Free
More from Axis Bank
Calculate your exact earnings with Axis Cashback Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.