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Explore cards from India's leading banks.
Last updated: 17 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 7% Tiered Cashback
Experience a dynamic, tiered cashback engine crafted for the digital-first spender. Earn 2% on your first ₹5,000 of online spends, accelerate to 5% on the next ₹35,000, and unlock an elite 7% on online spends exceeding ₹40,000 (total accelerated cashback capped at ₹4,000 per month). Enjoy an uncapped 0.75% base return on all offline and travel expenditures, plus a 0.5% yield on utility payments.
Redeem for
The privileges that come bundled in, beyond the reward points.
Frictionless Ecosystem: Bid farewell to cumbersome redemption catalogs. Your earned cashback is seamlessly and automatically credited to your statement before the next billing cycle
Epicurean Privileges: Indulge in culinary luxury with a flat 25% discount via EazyDiner (up to ₹800 monthly on a minimum spend of ₹2,500) at premium partner restaurants across India
Milestone Fee Waiver: Achieve an annual spend of ₹4,00,000 in your preceding anniversary year to enjoy a complete waiver of the ₹1,000 renewal fee
An honest read on where this card earns its keep — and where it doesn't.
Unrivaled 7% upper-tier cashback specifically engineered to reward heavy e-commerce and digital shoppers
Frictionless reward ecosystem where cashback is automatically credited—no portals, no conversion fees
Generous welcome benefits perfectly neutralize the financial impact of the first-year joining fee
Offers a rare base cashback on utility bill payments, a category now heavily restricted by most competitors
Features a highly tiered cashback structure that demands significant monthly online spending to unlock the premium 7% rate
Relatively muted base reward rate of 0.75% on offline and everyday retail purchases
Noticeably lacks premium lifestyle travel perks, such as complimentary airport lounge access
Strict exclusion list means no rewards are yielded on wallet loads
EMI conversions, rent, or fuel
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Axis Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Axis Bank Cashback Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Axis Bank Cashback Credit Card fees, reward conversion, lounge access, and application eligibility.
Axis Bank Cashback Credit Card has an annual fee of ₹1,000 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Unlock immediate value with a premium welcome gesture: receive 5,000 EDGE Reward Points (valued at ₹1,000) upon your first transaction within 30 days, beautifully offsetting your initial joining cost.".
Axis Bank Cashback Credit Card earns Auto-Statement Cashback at a primary rate of Up to 7% Tiered Cashback. Specifically, Experience a dynamic, tiered cashback engine crafted for the digital-first spender. Earn 2% on your first ₹5,000 of online spends, accelerate to 5% on the next ₹35,000, and unlock an elite 7% on online spends exceeding ₹40,000 (total accelerated cashback capped at ₹4,000 per month). Enjoy an uncapped 0.75% base return on all offline and travel expenditures, plus a 0.5% yield on utility payments.. Spends in Shopping, Dining, Lifestyle, Cashback categories provide the maximum valueback per transaction on this card.
Rewards earned on Axis Bank Cashback Credit Card can be redeemed for Frictionless Auto-Credit to Monthly Statement via Axis Bank's official rewards portal or mobile banking app. Points typically carry a multi-year validity period, though regular redemption against high-value vouchers or statement balances is advised.
A CIBIL credit score of 730 or above is strongly recommended for approval of Axis Bank Cashback Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Axis Bank Cashback Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Axis Bank Cashback Credit Card levies a forex markup fee of 3.50% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Axis Bank Cashback Credit Card currently features a welcome offer: "Unlock immediate value with a premium welcome gesture: receive 5,000 EDGE Reward Points (valued at ₹1,000) upon your first transaction within 30 days, beautifully offsetting your initial joining cost.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Unrivaled 7% upper-tier cashback specifically engineered to reward heavy e-commerce and digital shoppers and Frictionless reward ecosystem where cashback is automatically credited—no portals. However, keep in mind that Features a highly tiered cashback structure that demands significant monthly online spending to unlock the premium 7% rate and Relatively muted base reward rate of 0.75% on offline and everyday retail purchases. Overall, Axis Bank Cashback Credit Card delivers strong value if your regular spending aligns with Shopping, Dining, Lifestyle, Cashback.
Axis Bank Cashback Credit Card is focused on Shopping and Dining and Lifestyle and Cashback valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
You can apply for Axis Bank Cashback Credit Card directly through Axis Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
