MyFinCards
Cashback Credit Card

Joining Fee

₹1,000

Annual Fee

Rs. 1000 (Reversed on annual spends of Rs. 4 Lakhs)

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Cashback
Best For: Online shoppers, Those with high monthly online spends above ₹40,000

Cashback Credit Card

Rewards Structure

Base Reward Rate

0.75% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹4,000 /monthly

Pros

  • Up to 7% cashback on online spends
  • Unlimited 0.75% cashback on offline and travel spends
  • Automatic cashback redemption with no minimum amount
  • Annual fee waiver on ₹4L+ annual spends
  • Welcome benefit of EDGE Reward Points worth ₹1,000

Cons

  • Fuel surcharge waiver not applicable
  • Online cashback capped at ₹4,000 per statement month
  • Utility cashback capped at ₹100 per month
  • High finance charge of 3.75% per month (55.55% annually)
  • Foreign currency transaction fee of 3.5%

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Cashback on online spends is tiered and capped at ₹4,000 per statement month

Fuel surcharge levied by merchant will not be reversed

Rent transactions attract 1% surcharge plus taxes

DCC markup of 1.5% on international transactions in Indian currency

Key Benefits & Features

Welcome benefit: EDGE Reward Points worth ₹1000 on first transaction within 30 days of card issuance

Eligibility Criteria

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card photocopy
Form 60

INCOME Proof

Latest payslip
Form 16
IT return

ADDRESS Proof

Driving License
Electricity Bill
Landline Telephone Bill
Official Terms & Conditions

About 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.

Expert Review

Our Verdict

Earn up to 7% cashback on online spends with automatic redemption and no minimum amount required.

Frequently Asked QuestionsAbout Cashback Credit Card

ELIGIBILITYWhat are the eligibility criteria for the Axis Bank Cashback Credit Card?
To apply for the Axis Bank Cashback Credit Card, the primary cardholder must be between 18 and 70 years of age and must be a resident of India. Please note that these criteria are only indicative, and the bank reserves the right to approve or decline any application at its discretion.
DOCUMENTSWhat documents are required to apply for the Axis Bank Cashback Credit Card?
The following documents are typically required: a PAN Card photocopy or Form 60, proof of income (latest payslip, Form 16, or IT return), and residence proof (Driving License, Electricity Bill, or Landline Telephone Bill). Please note this list is indicative and documents required may vary on a case-to-case basis.
FEESWhat are the joining and annual fees for the Axis Bank Cashback Credit Card?
The Axis Bank Cashback Credit Card has a joining fee of ₹1,000 + GST and an annual fee of ₹1,000 + GST for the primary cardholder. Joining and annual fees are not applicable on add-on cards. You can get the annual fee waived if you spend ₹4,00,000 or more in an anniversary year.
REWARDSHow does the cashback structure work for online spends?
The Cashback Credit Card offers a tiered cashback structure on online spends. You earn 2% cashback on monthly net online spends up to ₹5,000; 5% cashback on spends above ₹5,000 and up to ₹40,000; and 7% cashback on spends above ₹40,000. For example, for monthly net online spends of ₹70,000, you earn 2% on ₹5,000, 5% on ₹35,000, and 7% on ₹30,000. Total online cashback is capped at ₹4,000 per statement month.
REWARDSWhat cashback do I earn on offline and travel spends?
You earn an unlimited base cashback of 0.75% on all offline and travel-related spends made with the Axis Bank Cashback Credit Card. Unlike online cashback, there is no monthly cap on the cashback earned through offline and travel transactions, making it beneficial for frequent in-store shoppers and travelers.
REWARDSIs there a cashback benefit on utility and bill payments?
Yes, the Axis Bank Cashback Credit Card offers a bonus cashback of 0.5% on utility bill payments. However, this cashback is capped at ₹100 per statement month. This is applicable even if your total utility bill payments exceed ₹10,000 in a month, making it a modest but automatic benefit for regular bill payers.
USAGEHow is the cashback redeemed on the Axis Bank Cashback Credit Card?
The Axis Bank Cashback Credit Card offers automatic cashback redemption. The cashback earned during a billing cycle is credited to your account before the next statement is generated. There is no minimum cashback amount required for redemption, which means even small amounts are credited automatically without any manual intervention or redemption process.
BENEFITSWhat is the welcome benefit on the Axis Bank Cashback Credit Card?
New Axis Bank Cashback Credit Card holders receive EDGE Reward Points worth ₹1,000 as a welcome benefit. To be eligible for this benefit, you must complete your first transaction within 30 days of card issuance. This welcome benefit is applicable only for the first year. Please refer to the terms and conditions on the Axis Bank website for full details.
FEESHow can I get the annual fee waived on the Cashback Credit Card?
You can get the annual fee of ₹1,000 waived if your total spends reach ₹4,00,000 or more in an anniversary year. This spend-based waiver is a great way to avoid the annual fee while maximizing the cashback benefits of the card. The waiver applies to the primary card only, as add-on cards do not have an annual fee.
BENEFITSIs fuel surcharge waiver available on the Axis Bank Cashback Credit Card?
No, the fuel surcharge waiver facility is not applicable on the Axis Bank Cashback Credit Card. Any fuel surcharge levied by the merchant will not be reversed. If fuel savings are important to you, you may want to consider other Axis Bank credit cards like the IndianOil Axis Bank Credit Card, which offers benefits specifically on fuel spends.
INTERNATIONALWhat are the foreign currency transaction charges on this card?
The Axis Bank Cashback Credit Card charges a foreign currency transaction fee of 3.5% of the transaction value on international non-DCC (Dynamic Currency Conversion) transactions. Additionally, a DCC markup of 1.5% plus taxes applies on transactions performed in Indian currency at international locations. Given these charges, this card may not be the most cost-effective option for frequent international travelers.
FEESWhat are the finance charges and interest rates on the Cashback Credit Card?
The Axis Bank Cashback Credit Card carries a finance charge (interest rate) of 3.75% per month, which translates to an effective annual rate of 55.55%. This is applicable on outstanding balances when the full amount due is not paid by the payment due date. It is advisable to pay your full outstanding balance each month to avoid these high interest charges.
FEESWhat are the late payment charges on the Axis Bank Cashback Credit Card?
Late payment charges on the Cashback Credit Card are as follows: Nil if the total payment due is less than ₹500; ₹500 if due is between ₹501–₹5,000; ₹750 if due is between ₹5,001–₹10,000; and ₹1,200 if due exceeds ₹10,001. Additionally, an extra ₹100 charge is levied if the Minimum Amount Due (MAD) is not paid for two consecutive billing periods.
BENEFITSDoes the Axis Bank Cashback Credit Card offer any dining benefits?
Yes, the Axis Bank Cashback Credit Card provides access to the Axis Bank Dining Delights Program, which offers exceptional dining experiences at top restaurants across India. This benefit allows cardholders to enjoy exclusive discounts and privileges at partner dining establishments. For full details on participating restaurants and applicable terms and conditions, please visit the Axis Bank website.
REWARDSHow much total annual savings can I expect from the Axis Bank Cashback Credit Card?
Based on the bank's illustrative value chart, with total annual spends of approximately ₹4,50,000 (₹2,40,000 online, ₹1,20,000 offline, ₹60,000 on travel, and ₹1,20,000 on utilities), you can save over ₹14,150 annually. This includes ₹10,200 from online cashback, ₹900 from offline cashback, ₹450 from travel spends, ₹600 from utility bill payments, ₹1,000 from annual fee waiver, and ₹1,000 from the welcome benefit (first year only).

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