Axis Bank Cashback Credit Card

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The Axis Bank Cashback Credit Card is perfect for people who like simple rewards without complicated points systems. It offers great cashback, exclusive discounts, and a welcome bonus, making it appealing to frequent shoppers. The card charges a joining and renewal fee of ₹1,000 plus taxes, but this fee can be waived if you spend ₹4 lakhs in a year. As a welcome benefit, cardholders get 5,000 EDGE Reward Points by making their first transaction within 30 days of getting the card.

Designed mainly for online shopping, it offers up to 7% cashback on digital spends through a tier-based system. Cashback is also available for offline, travel, and utility expenses but at a lower rate. Despite lacking premium features, this card remains a solid option for those seeking everyday savings.

Credit Card Detail
Axis Bank Cashback Credit Card
Joining Fee
Rs. 1000.00 +GST
Renewal Fee
Rs. 1000.00 +GST
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
Earn 5,000 EDGE Points when you make your first purchase within 30 days.
Apply Now
Rewards Rate
Get 7% cashback on online shopping, 0.75% on offline and travel expenses, and 0.5% on utility payments.
Reward Redemption
Cashback added to your bill.
Movie & Dining
Get 20% off on EazyDiner, up to ₹800.
Travel
N/A
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
3.6% interest per month, which adds up to 52.86% per year.
Spend-Based Waiver
No annual fee if you spend ₹4 lakh or more in a year.
Rewards Redemption Fee
N/A
Cash Advance Charges
2.5% of the amount you withdraw or ₹500, whichever is higher.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
N/A
Card Details
  • Get rewards worth ₹1,000 when you start using the card.
  • 2% cashback for spending up to ₹5,000 per month (maximum ₹100).
  • 5% cashback for spending between ₹5,001 and ₹40,000 per month (maximum ₹1,750).
  • 7% cashback for spending above ₹40,000 per month (maximum ₹2,150).
  • Enjoy up to ₹800 off with EazyDiner offers.
  • Get 0.75% cashback on all offline and travel expenses with no limit.
  • Earn 0.5% cashback on utility bill payments, capped at ₹100 per month.
Pros/Cons
Pros
- Enjoy up to 7% cashback on online purchases, earn basic cashback on utility bill payments, and benefit from a 25% dining discount through EazyDiner. Additionally, receive a ₹1,000 welcome reward upon making your first transaction.
Cons
- The cashback system is complex with different tiers, offers low cashback on offline spending, and excludes wallet, rent, and fuel transactions. Plus, there's no waiver for fuel surcharges.
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Frequently Asked Questions

Is there a welcome benefit with this card?

Yes, cardholders receive a welcome gift worth ₹1,000 upon completing their first transaction within 30 days.

Does cashback apply to all spending categories?

No, certain categories, like fuel purchases, are excluded from cashback eligibility. Refer to the card's terms for a detailed list.

What is the cashback structure for online spends?

You can earn up to 7% cashback on online shopping based on your monthly spending tier.

What happens if I return a purchase after earning cashback?

The cashback earned for that purchase will be deducted from your account or adjusted against your refund.

Can I use this card for dining discounts?

Yes, the card offers a 20% discount on dining through EazyDiner (up to Rs. 800).

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