Axis Bank Cashback Credit Card
- Updated On: 13 March, 2026
In the realm of credit cards, the Axis Bank Cashback Credit Card stands out for those who prefer straightforward benefits such as cashback over complex rewards systems. Launched by Axis Bank, this credit card is designed with the shopper in mind. It offers a variety of cashback options, exclusive discounts, and an appealing welcome benefit.
The Axis Bank Cashback Credit Card is designed for those who love being rewarded for spending, particularly in shopping. With a simple joining and renewal fee of ₹1,000 plus taxes, this credit card particularly appeals to savvy shoppers who aim to maximize their savings. The card offers a spend-based waiver of ₹4 lakhs. From the issuance, cardholders are greeted with a welcome offer of 5,000 EDGE Reward Points when they make their first transaction within 30 days of receiving the card. With numerous benefits aimed at maximizing returns on everyday spending, the Axis Bank Cashback Credit Card is a must-have for those seeking to make the most of their shopping and dining experiences.
Axis Bank Cashback Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
7% Cashback on Online Purchases; 0.75% Cashback on Offline and Travel Spends; 0.5% Cashback on Utility Transactions
Welcome Benefits
5,000 EDGE Reward Points on Making the First Transaction Within 30 Days
Rewards and Benefits
Movie & Dining
20% discount up to ₹800 on EazyDiner
Rewards Rate
7% Cashback on Online Purchases; 0.75% Cashback on Offline and Travel Spends; 0.5% Cashback on Utility Transactions
Reward Redemption
Cashback Credited to Statement
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
Annual Fee Waiver on Spends of ₹4 Lakh or More
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.5%
Interest Rates
3.75% Monthly (55.55% Annually)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% of the Withdrawn Amount or ₹500
Product Details
- Welcome benefits worth ₹1,000.
- 2% on online spending up to ₹5,000.
- 5% on online spending between ₹5,001 and ₹40,000.
- 7% on online spending above ₹40,000.
- Discount on EazyDiner up to ₹800.
Pros/Cons
Pros
0.75% Unlimited cashback on travel and offline spending.
Cons
- There is no fuel surcharge waiver offered with this card.
- The spend threshold for the renewal fee waiver is set quite high at ₹4 lakh.
Welcome Benefit
Cardholders shall be eligible for 5,000 EDGE Reward Points worth ₹1,000 on making the first transaction with the Axis Cashback Credit Card. There are no minimum spend-based criteria to be eligible for this benefit, and spending made by both add-on and primary cards shall be considered.
Cashback Earnings
All cardholders are eligible for a basic cashback of 0.75% on all eligible offline/POS/travel spends. Additionally, card members are eligible to receive 0.5% cashback on utility transactions, capped at ₹100 per statement. Cardmembers can also earn up to 7% cashback on online purchases.
| Spends | Cashback |
| Spends Less Than or Equal to ₹5,000 | 2% Up to ₹100 |
| Spends Between ₹5,000 and ₹40,000 | 5% Up to ₹1,750 |
| Spends Above ₹40,001 | 7% Up to ₹2,150 |
Reward Redemption
The cashback earned with the Axis Bank Cashback Credit Card is directly credited to the cardholder’s account before the next statement date, simplifying the redemption process. It mirrors the card’s ethos of straightforward, hassle-free rewards, free from the complexities of points conversions or specific redemption criteria.
Dining Benefits
With the Axis Cashback Credit Card, users can get an instant discount of 25% up to ₹800 on EazyDiner on a minimum transaction value of ₹2,500. This offer is available once every month. Cardholders must remember that offers not used in one month cannot be carried over to another month.
Eligibility for the Axis Cashback Card
The eligibility criteria for the Axis Bank Cashback Credit Card are as follows:
- Age: 18-60 years
- Residential Status: Indian Residents or NRIs
- Income: Regular income source
- Employment: Salaried/ self-employed with income proof
Migration of Citi Cashback to Axis Cashback Credit Card
It’s been a while since Axis Bank took over Citi India’s consumer banking, and now they are in the process of migrating Citi credit cards to Axis Bank credit cards. To facilitate this transition, Axis Bank has introduced several new and exciting credit cards, including the Horizon for travel, IndianOil Axis Premium for fuel, and the Axis Cashback for cashback rewards. Those with the Citi Cashback credit card shall be migrated to the Axis Cashback credit card and receive more or less the same benefit.
Axis Cashback Card Review
The Axis Bank Cashback Credit Card is a great option for people who like getting cash back and spending a lot online. It’s easy to use and has no complicated steps to get your rewards. This card has a few things to consider, like the yearly fee and the lack of certain high-end features. However, this card could be a great choice if you want to make the most of your everyday and online spending. The requirements for getting the card seem flexible, so it could work for many people.
FAQs:
Are there any spending categories where cashback is not applicable?
Yes, there are certain exclusions, such as fuel purchases, for which cashback is not applicable. It’s advisable to check the card’s terms and conditions for detailed information.
What happens to my cashback if I return a purchase?
If you return an item for which you’ve received cashback, the cashback amount will be deducted from your account or your return refund.
1 comment
Sunny Wayne
Does purchase from Amazon, Swiggy, Uber etc considered for the Cashback of upto 7% for this card?