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Axis Bank

Axis Cashback Credit Card

★ 4.2 / 5 ⓘ How we rate

Up to 7% cashback on online spends — the more you spend

✅ Verified Oct 2026 from Axis Bank's official terms →

Joining: ₹1,000Annual: ₹1,000🎁 0.75% – 7% cashback
Apply Now — it's free → 🔒 You'll apply on Axis Bank's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

📈
Up to 7% onlinetiered by monthly spend
♾️
0.75% unlimitedoffline & travel
🎁
₹1,000 welcomein EDGE points
👤
Perfect for

Big online spenders (₹40,000+ a month)

Key benefits

  • Online cashback grows with spend: 2% up to ₹5,000, 5% up to ₹40,000, 7% above
  • 0.75% unlimited cashback on offline, flight, train, cab and bus spends
  • 0.5% cashback on utility bills
  • ₹1,000 worth of EDGE points on your first transaction
  • 15% off on EazyDiner (up to ₹500/month)
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • Very high cashback for big online spenders
  • Unlimited base cashback
  • Welcome bonus covers the fee

Good to know

  • Online cashback capped at ₹4,000 per month
  • Low rate if you spend under ₹5,000
  • No lounge access

Quick facts

Fee waiverRenewal fee waived on ₹4 lakh yearly spend
Lounge accessNone
Min. income₹6 lakh/year
Age21 – 70 years
Credit score750+
NetworkVisa / Mastercard
Forex markup3.5%
Joining fee₹1,000 + GST

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.75%/month (45% p.a.)
Foreign currency markup3.5%
Cash withdrawal fee2.5% (min ₹500)
Late payment fee₹0 – ₹1,200 by bill amount
  • 1% fee on rent payments
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

Read official bank terms (MITC) ↗

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❓ Axis Cashback — common questions

Is the Axis Cashback Credit Card lifetime free?

No. It has a joining fee of ₹1,000 and an annual fee of ₹1,000 (plus 18% GST). Renewal fee waived on ₹4 lakh yearly spend.

What rewards does the Axis Cashback Credit Card give?

0.75% – 7% cashback. Online cashback grows with spend: 2% up to ₹5,000, 5% up to ₹40,000, 7% above.

Who is eligible for the Axis Cashback Credit Card?

Minimum income: ₹6 lakh/year. Age: 21 – 70 years. Credit score: 750+. Final approval is decided by the bank.

Does the Axis Cashback Credit Card give airport lounge access?

No, this card does not include airport lounge access.

What is the forex markup on the Axis Cashback Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the Axis Cashback Credit Card?

Big online spenders (₹40,000+ a month).

Explore💸 Cashback Cards🛍️ Shopping Cards🟣 Axis Bank Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

Axis Bank CashbackApply in ~5 min
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