Cashback Credit Card

The Axis Bank Cashback Credit Card is designed to reward online shoppers with a tiered cashback structure that scales with spending. Cardholders earn 2% cashback on monthly online spends up to ₹5,000, 5% on spends between ₹5,001 and ₹40,000, and a maximum of 7% on spends exceeding ₹40,000, with earnings capped at ₹4,000 per statement month. Beyond online purchases, the card also offers 0.75% unlimited base cashback on offline and travel-related spends, along with 0.5% bonus cashback up to ₹100 on utility bill payments. New cardholders receive a welcome benefit of EDGE Reward Points worth ₹1,000 upon completing their first transaction within 30 days of card issuance. The card comes with a joining and annual fee of ₹1,000 each, though the annual fee can be waived by spending ₹4,00,000 or more in an anniversary year. One of its standout features is automatic cashback redemption, with cashback credited before the next statement and no minimum redemption amount required. Additional perks include access to the Axis Bank Dining Delights Program, offering exclusive dining experiences at top restaurants across India. The card is best suited for individuals with high monthly online spends, particularly those exceeding ₹40,000, who want straightforward, automatic cashback without the hassle of manual redemption.