Axis Bank
Axis Bank Cashback Credit Card
Data last verified: 24 October 2026
- Joining fee₹1,000 + GST
- Annual fee₹1,000 + GST
- Reward rate0.75% base, up to 5% on online shopping
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹1,000 + GST
- Annual fee₹1,000 + GST
- Fee waiverOn ₹4 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
The Axis Cashback card pays 5% on online purchases, up to a monthly cap, and 0.75% on offline, in-store and travel spends. Utility bills earn 0.5%, also capped. Cashback is credited straight to your account, so there are no points to track.
The fee is ₹1,000 plus GST, waived when you spend ₹4 lakh in a year. You also get welcome benefits worth Rs 1,000, which covers the first year. If you shop online every month, the 5% rate recovers the fee quickly after that.
It suits online shoppers who want plain cashback. The catch is that offline spends earn just 0.75%, and there is no lounge access.
Best for: Regular online shoppers, People who prefer cashback over points, Moderate monthly spenders.
01Axis Bank Cashback Credit Card Rewards and Benefits
02Axis Bank Cashback Credit Card Annual Fee and Charges
- Joining fee
- ₹1,000 + GST
- Annual fee
- ₹1,000 + GST
- Spend-based waiver
- Annual fee waived on ₹4 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on online shopping, earning 5%₹250
- ₹15,000 on everything else, earning 0.75%₹113
- Back each month, ₹4,356 a year₹363
- Annual fee with 18% GST−₹1,180
- In your pocket each year₹3,176
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping: 5% back, up to ₹4,000 a month
- Spending ₹33,333 or more a month: the ₹1,180 fee is waived
Skip it if…
- you spend less than ₹33,333 a month (₹4,00,000 a year, rent and wallet loads not counted): the ₹1,180 fee is then charged
- most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on online shopping: the 5% rate applies only there, everything else earns 0.75%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹1,000 plus GST
- Fee waived on ₹4 lakh annual spend
- 5% cashback on online spends, capped monthly
- 0.75% cashback on offline and travel spends
- 0.5% cashback on utility bills
- Welcome benefits worth ₹1,000
05Pros and Cons
Pros
- 5% back online across sites
- No points to convert
- Welcome benefits cover the first-year fee
- EazyDiner dining discounts
Cons
- Only 0.75% on offline spends
- 5% rate has a monthly cap
- No lounge access
- 3.5% forex markup
06How Axis Bank Cashback Credit Card earns Rewards
0.75% base, up to 5% on online shopping.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 5% | ₹4,000 | All merchants in the categoryTerms: Tiered accelerated cashback on online spends: 2% up to ₹5,000, 5% up to ₹40,000, 7% above, total online cashback capped ₹4,000 a month. ~5% effective for a typical online cart. Credited as statement credit. |
| Dining and food delivery | 0.75% | No cap | The card's normal rate |
| Groceries | 0.75% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.75% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.5% | ₹100 | All merchants in the categoryTerms: 0.5% bonus cashback on utility bill payments (MCC 4816/4899/4900), capped ₹100 per statement. MCC 4814 (telephone) is not in the 0.5% set, it earns the base or accelerated rate by channel. |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.75% | No cap | The card's normal rate |
| Everything else | 0.75% | No cap | The card's normal rate |
Terms on the base rate. 0.75% base cashback on offline (card-present) and travel spends, uncapped; credited as statement credit
07Axis Bank Cashback Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.75% back (the normal rate). See what it costs on your trip
08Axis Bank Cashback Credit Card Eligibility and Documents
- Age
- 18 to 70 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed)
09Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 28 Aug 2026 | Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank | 1.5% + GST | 3.5% + GST |
| 28 Aug 2026 | Reduced: New top late-payment slab of Rs 1,300 above Rs 50,000Source: Axis Bank | ₹1,200 on any total payment due above ₹10,000 | ₹1,200 from ₹10,001 to ₹50,000; ₹1,300 above ₹50,000 |
| 28 Aug 2026 | Reduced: Tolls and road fees stop earning rewards; gift cards split into their own categorySource: Axis Bank | Bridge fees, road fees and tolls earned at the normal rate | No rewards or cashback on bridge fees, road fees and tolls |
| 20 Dec 2024 | Reduced: Bank-wide charges revision: DCC markup raised, new surcharges addedSource: Axis Bank | 1% dynamic currency conversion markup; ₹100 cash payment at branch; 1% rent surcharge capped ₹1,500/txn; no wallet/fuel/utility spend surcharge | 1.5% dynamic currency conversion markup; ₹175 cash payment at branch; 1% rent surcharge uncapped; new 1% surcharge on wallet loads >₹10,000, fuel >₹50,000, utility bills >₹25,000; new 2% (min ₹500) auto-debit reversal fee; new ₹100 a month penalty for two consecutive missed minimum-due payments |
| 15 Jul 2024 | Reduced: Category cashback replaced by tiered online-shopping cashbackSource: Axis Bank | 5% cashback on movie tickets, telephone bills and utility bill payments (each capped ₹100 a month); 0.5% flat on all other spends | Tiered cashback on net online spends, 2% up to ₹5,000, 5% up to ₹40,000, 7% above (total online cashback capped ₹4,000 a month); 0.75% flat on offline/travel spends; 0.5% bonus on utilities capped ₹100/statement |
See this card's change history → · All card changes in August 2026 →
10Cards Similar to Axis Bank Cashback Credit Card
Axis Bank Cashback Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Axis Bank Cashback Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹1,000 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹1,000 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 0.75% base, up to 5% on online shopping | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Axis Bank Cashback Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the ₹1,000 fee waived?
Yes, when you spend ₹4 lakh in a year.
How much cashback on online shopping?
5% on online purchases, up to a monthly cap.
Does it offer lounge access?
No, this card has no lounge access.
What is the joining fee for the Axis Bank Cashback Credit Card?
The joining fee is ₹1,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Axis Bank Cashback Credit Card?
The annual fee is ₹1,000 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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