Axis Bank Cashback Credit Card
Fees
1st Year Fee: ₹1,000* Plus Applicable Taxes
Joining & annual
Reward Rate
Tier-based monthly cashback structure: 2% cashback on monthly online spends up to ₹5,000; 5% cashback on monthly online spends between ₹5,001 to ₹40,000; 7% cashback on monthly online spends above ₹40,000 (Online cashback capped at ₹4,000 per month). 0.75% unlimited cashback on offline & travel spends; 0.5% cashback on utility spends (capped at ₹100 per month).
Welcome Bonus
5,000 EDGE reward points worth ₹1,000 on the first spend within 30 days of card issuance
Lounge
No Lounge Access
Our Expert Take
Axis Bank Cashback Card uses a tiered structure that rewards higher spenders more: 2% up to ₹5,000 in monthly online spend, climbing to 7% above ₹40,000. It's a strong card if your online spending is genuinely high volume; below that, the 0.75% flat rate on offline and travel spending is more modest.
Reward limits
Checked 27 Sep 2026 · Bank terms
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Online spends: 2% on the first ₹5,000, 5% up to ₹40,000, 7% above
Max ₹4,000 per statement month
Reached after about ₹70,700 of spend
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0.5% bonus on utility bills
Max ₹100 per statement month
Reached after about ₹20,000 of spend
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0.75% on offline and travel spends
No limit
No rewards on: Tolls, insurance, education, jewellery, government, wallet, rent, fuel, gift cards
Where this card earns most
Paying directly in the app or site · 0.75% on other spends
Pros & Cons
Key Advantages
- Up to 7% cashback on monthly online spends above ₹40,000
- Welcome bonus offsets the first-year fee
- 25% discount on dining bills via EazyDiner
- Unlimited 0.75% cashback on offline and travel spends
Limitations
- Overall monthly online cashback collection pool is strictly capped at a maximum of ₹4,000
- Utility bill payments carry a heavily restricted monthly cashback limit of just ₹100
- Requires high online expenditure volume tracking to optimally hit and unlock the upper 7% multiplier target
Key Perks & Spending Milestones
2% cashback generated on net monthly online expenditures up to ₹5,000 (Maximum benefit of ₹100 per month)
5% cashback generated on net monthly online expenditures ranging between ₹5,001 and ₹40,000 (Maximum benefit of ₹1,750 per month)
7% cashback generated on net monthly online expenditures crossing past the ₹40,000 threshold (Maximum benefit of ₹2,150 per month)
Online category cashback accumulations combined cannot exceed a strict cap of ₹4,000 per monthly cycle
Unlimited 0.75% cashback universally applied across all standard offline retail transactions and travel spends
0.5% cashback on routine utility bills and monthly payment lines (capped strictly at a maximum of ₹100 per month)
5,000 EDGE reward points disbursed upon completing your first transaction within the first 30 days of card issuance (resolving to a net asset value of ₹1,000 at 1 EDGE point = ₹0.20)
Flat 25% discount up to ₹800 savings per month on gourmet dining outlays booked via EazyDiner (valid on a minimum bill value of ₹2,500)
Spend milestone
Hit ₹4,00,000 in cumulative retail spends during the previous card anniversary year to smoothly trigger a 100% waiver/reversal of the ₹1,000 annual maintenance fee
Fees & Charges
Joining fee
1st Year Fee: ₹1,000* Plus Applicable Taxes
Annual fee
1st Year Fee: ₹1,000* Plus Applicable Taxes
Annual fee waived on spends of ₹4 Lakh in the previous anniversary year
Interest rate
3.75% per month (55.55% per annum)
Late payment fee
- ₹5,001 to ₹10,000
- ₹750
Insurance & Protection Benefits
Eligibility Criteria
salaried minimum income
₹25,000 per month
age
18 to 70 years
Credit score & income
Good (700+)
Frequently Asked Questions
How does the tiered cashback work on Axis Bank Cashback Card?
Does Axis Bank Cashback Card offer lounge access?
Compare Axis Bank Cashback Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Axis Bank Cashback Credit Card This Card | 1st Year Fee: ₹1,000* Plus Applicable Taxes | Tier-based monthly cashback structure: 2% cashback on monthly... | No Lounge Access | 3.5/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |