Axis Bank Cashback Credit Card
Axis Bank
Straightforward flat-rate online cashback, no category-picking required.
₹1,000
Joining fee
₹1,000, waived at ₹4L spend
Annual fee
Exempted from annual fee if eligible spends of Rs 4,00,000+ occur during the anniversary year (official).
3.5%
Forex markup
4.1 / 5
Rating
Eligibility
Estimated minimum income: ₹15,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 680+
Estimated — not officially confirmed by the bank.
Age: 18–70
Resident Indian; income/CIBIL eligibility decided per issuer's internal policy with no disclosed threshold.
Key features
- Up to 7% cashback on eligible online spends
- 0.75% retail/travel
- 0.5% utilities
Reward details
0.75% cashback on offline/POS and travel spend
- 2% cashback up to Rs 5,000 of spend, 5% cashback on Rs 5,001-Rs 40,000, 7% cashback above Rs 40,001 on Online (non-travel) spend — tiered per statement cycle — Rs 4,000/month combined on the accelerated (online) tiers
- 0.5% cashback on Utility bill payments — Rs 100 per statement
Welcome bonus: 5,000 EDGE Reward Points (worth ~Rs 1,000) on the first spend transaction within 30 days of card issuance
Redemption
Cashback auto-credited; no manual points redemption needed for the core cashback (the welcome bonus is issued as EDGE points).
Excluded from rewards: transportation & tolls, insurance, educational institutions, jewellery/precious metals/watches, government institutions, wallet loads, rent, fuel
- No fuel surcharge waiver (aggregator-sourced gap noted by CardExpert/Paisabazaar).
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Strong headline online cashback (up to 7%) appeals to digital/online shoppers; no minimum spend threshold to activate benefits; cashback on utility bills is uncommon among competing cashback cards — Paisabazaar
Complaints
- Tiered cashback structure called complicated; offline spend cashback (0.75%) seen as minimal; broad list of category exclusions; no fuel surcharge waiver — Paisabazaar
Sources
- Official — rewards T&C
- Official — fees cross-check
- Aggregator — eligibility, sentiment