Axis Cashback Credit Card
Axis Bank
Last updated: Feb 03, 2026
₹1,000
₹1,000
2.5%
No lounge access
Contents
Axis Cashback Credit Card lets you earn up to 7% cashback on online spends with a tiered structure. Enjoy 0.75% cashback on offline and travel spends, plus rewards on utility bill payments. The card is designed for frequent online shoppers seeking great cashback benefits with easy fee waivers.
Rewards Structure of Axis Cashback Credit Card
Fees & Charges of Axis Cashback Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Forex Markup Fee | 2.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Waived on ₹4,00,000 annual spend
Fee Explanation Standard bank rates apply for overdue amounts.
Detailed Explanation of Axis Cashback Credit Card Fees
Joining Fee: ₹1000 + GST (one-time)
Waived for existing customers
Annual Fee: ₹1000 + GST (yearly)
Waived on ₹4,00,000 annual spend
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300
Additional Features of Axis Cashback Credit Card
Contactless Payments
Tap and pay enabled
Welcome Bonus with Axis Cashback Credit Card
Welcome Bonus: 5000 EDGE reward points
Bonus Conditions: Valid for new customers who pay joining fee and make first transaction within 30 days
Application Process for Axis Cashback Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via Axis Bank portal
Upload KYC documents
Receive verification call
Card dispatched within 7 days
Required Documents for Axis Cashback Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Axis Cashback Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Axis Cashback Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required.
How Approval Is Decided
- Minimum income ₹25,000/month
- Indian resident
- Credit score above 700
Pros of Axis Cashback Credit Card
- Generous tiered cashback rewards
- Automatic cashback credit
- Low joining and annual fees
Cons of Axis Cashback Credit Card
- Annual fee applicable if spending criteria not met
- No lounge access or premium benefits
Frequently Asked Questions about Axis Cashback Credit Card
Is there a joining fee?
Yes, ₹1000 + GST, waived for existing customers.
What is the annual fee waiver condition?
Annual fee is waived if you spend ₹4,00,000 or more in a year.
What is the welcome bonus?
5000 EDGE reward points worth ₹1000 on first transaction within 30 days.
What cashback rates apply on online spends?
Up to 7% cashback based on your monthly online spend tier.
Is there cashback on utility bill payments?
Yes, 0.5% cashback capped at ₹100 per month.
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