Earn up to 7% cashback on online spends and unlock everyday savings with every purchase
Earn 2% to 7% cashback on online spends based on your monthly spend slab
Get 5,000 Edge Reward points worth ₹1,000 on card activation
Enjoy 25% off on dining through EazyDiner (once per month)
Enter your details to get started
| Benefit | Details |
|---|---|
| Tiered Online Cashback Programme | Earn 2% cashback on online spends up to ₹5,000/month, 5% on spends between ₹5,001–₹40,000/month, and 7% on online spends above ₹40,000/month. Cashback is automatically credited to the card account. |
| Offline & Travel Cashback | Earn unlimited 0.75% cashback on all offline and travel spends with no monthly cap. |
| Utility Spends Cashback | Earn 0.5% cashback on utility spends, capped at ₹100 per month. |
| Welcome Benefit | Receive 5,000 Edge Reward points (worth ₹1,000) upon card activation, effectively offsetting the joining fee. |
| Dining Benefits | 25% discount on dining at EazyDiner partner restaurants, applicable once per month. |
| Annual Fee Waiver | Annual fee of ₹1,000 + GST is waived on annual spends of ₹4 Lakhs or more (excludes rent and wallet spends). |
| Auto Cashback Credit | Cashback is automatically credited to the card account without any manual redemption process. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Cashback / Online Shopping |
| Type of Card | Premium Cashback Credit Card (Visa Signature) |
| Free or Paid | ₹1,000 + GST Annually (Waiver available on ₹4,00,000 annual spends) |
The Axis Bank Cashback Credit Card is tailored for individuals who do a significant portion of their spending online and are looking for automatic, hassle-free cashback without any manual redemption. As a successor to the popular Citi Cashback Credit Card, it offers a tiered cashback structure that rewards higher online spends with better rates going up to 7% on monthly online spends above ₹40,000. This card is ideal for online shoppers who spend ₹50,000 or more monthly, value straightforward cashback over points or miles accumulation, and prefer a card with no minimum redemption threshold. With automatic cashback crediting, a modest annual fee with achievable waiver conditions, and utility spend coverage that many cashback cards skip, it is a strong contender in the entry-to-mid-tier cashback space.
Tiered Cashback Structure: Unlike flat-rate cashback cards, the Axis Cashback Card uses a tiered monthly spend structure. The cashback rate increases as your online spend climbs, starting at 2% for spends up to ₹5,000, rising to 5% for the ₹5,001 to ₹40,000 band, and reaching 7% for amounts above ₹40,000 per month. This design rewards higher spenders while still providing value at lower spend levels.
Automatic Cashback Credit: One of the card's strongest features is that eligible cashback is automatically credited to the cardholder's account after the monthly billing cycle. There is no need to log in, raise a request, or convert points; the savings arrive without any action required from the cardholder.
Welcome Benefit: New cardholders receive 5,000 Edge Reward points (equivalent to ₹1,000 in value) upon card activation. This welcome benefit effectively cancels out the joining fee, making the card cost-neutral in its first year for most users.
Offline and Travel Cashback: Beyond online spends, the card also offers an unlimited 0.75% cashback on offline retail and travel transactions. While the rate is modest, there is no monthly cap, making it a useful addition for everyday physical purchases.
Utility Bill Coverage: A notable differentiator from other cashback cards like SBI Cashback is the 0.5% cashback on utility spends (capped at ₹100/month). This covers electricity, water, and similar bills, adding breadth to the card's cashback coverage.
Dining Privilege via EazyDiner: Cardholders get access to a 25% discount on dining at EazyDiner-listed restaurants, available once per month. This adds an offline benefit that complements the card's primary focus on online savings.
Annual Fee Waiver: The annual fee of ₹1,000 + GST is waived if the cardholder spends ₹4 Lakhs or more in a year (excluding rent and wallet loads). For regular card users, this threshold is achievable, effectively making the card free.
Visa Signature Platform: The card is issued on the Visa Signature network, which offers the potential for future benefit enhancements. As of now, the card does not include complimentary airport lounge access, though this may change in future programme updates.
Cashback Exclusions: Cashback is not earned on fuel, rent, wallet loads, certain insurance, government, jewellery, or educational institution transactions. Cardholders should factor in these exclusions when calculating effective returns.
Maximum Monthly Cashback: The total monthly cashback on online spends is capped at ₹4,000 (comprising ₹100 for the first slab, ₹1,750 for the second, and ₹2,150 for the third). The offline cashback on travel and retail transactions is unlimited.
Online Spends – Slab 1: 2% cashback on monthly online spends up to ₹5,000 (maximum ₹100 cashback per month).
Online Spends – Slab 2: 5% cashback on monthly online spends between ₹5,001 and ₹40,000 (maximum ₹1,750 cashback for this slab).
Online Spends – Slab 3: 7% cashback on monthly online spends exceeding ₹40,000 (maximum ₹2,150 cashback for this slab).
Offline & Travel Spends: Unlimited 0.75% cashback on all offline retail and travel transactions with no monthly cap.
Utility Spends: 0.5% cashback on utility bill payments, capped at ₹100 per month.
Auto-Credit: Eligible cashback is automatically credited to the card account after statement generation. No manual action required.
Cashback Basis: Cashback is calculated on net monthly online spends (not per transaction), meaning the tiered rates apply to the cumulative monthly total.
Cashback is not earned on the following categories:
Fuel transactions at petrol pumps
Rent payments
Wallet loads (e.g., Paytm, PhonePe, Amazon Pay top-ups)
Insurance premium payments
Transactions at jewellery, precious metals and watches merchants
Government institution payments
Educational institution fee payments
Transportation and toll charges
Cash withdrawals and cash advances
EMI conversions and balance transfers
Reversed or refunded transactions
Note: The exclusion list is standard for cashback cards. Cardholders should verify with Axis Bank for the most current list of excluded Merchant Category Codes (MCCs).
Activation Bonus: 5,000 Edge Reward points (equivalent to ₹1,000) credited to the cardholder's account upon card activation.
No Minimum Spend Required: The welcome benefit does not require a minimum spend threshold within a set period.
Points Redemption: Edge Reward points can be redeemed through the Axis Bank rewards portal for cashback, vouchers, or products.
EazyDiner Discount: 25% discount on dining at EazyDiner partner restaurants across India.
Frequency: Applicable once per month per cardholder.
Usage: The discount is applied at the time of payment through the EazyDiner app or platform.
Waiver Condition: The annual fee of ₹1,000 + GST is waived if annual spends reach ₹4,00,000 or more.
Exclusions from Waiver Calculation: Rent payments and wallet loads are excluded from the ₹4 Lakh spend threshold computation.
First Year Fee: The joining fee of ₹1,000 + GST applies for the first year, effectively offset by the 5,000 welcome Edge points.
The Axis Bank Cashback Credit Card does not currently offer complimentary airport lounge access.
As the card is on the Visa Signature platform, lounge benefits may be introduced in the future, potentially linked to spend milestones.
Cardholders seeking lounge access should consider pairing this card with a dedicated travel card such as the Scapia Federal Credit Card (lifetime free with lounge access).
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹1,000 + GST (~₹1,180) | One-time charge when the card is issued. Offset by 5,000 welcome Edge Reward points. |
| Annual Fee | ₹1,000 + GST (~₹1,180) | Charged every year. Waived on annual spends of ₹4,00,000 or more (excludes rent and wallet loads). |
| Add-on Card Fee | As per Axis Bank policy | Fee for additional cardholders on the account. |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Standard foreign exchange markup on international transactions. |
| Criteria | Details |
|---|---|
Age | Primary cardholder should be between 18 and 70 years |
Existing Customer | Available to both existing Axis Bank customers and new applicants |
Citizenship | Must be a Resident of India |
Credit Score | Good CIBIL score (ideally 750+) recommended for approval |
Income | Minimum monthly income requirements apply; assessed based on Axis Bank's internal policy |
Banking Relationship | Existing Axis Bank relationship helpful but not mandatory |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Recent Utility Bill (within 3 months) |
| Income Proof | Latest salary slips (last 3 months) / Bank statements (last 6 months) / Form 16 / IT return copy (last 2 years) / Audited financials (for self-employed) |
| PAN Card | Mandatory for credit card issuance |
| Photograph | Recent passport-size photographs |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery: Once your application is approved after verification, your Axis Bank Cashback Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Maximise Online Spends | To get the highest 7% cashback, aim to keep monthly online spends above ₹40,000. Even at the 5% slab (₹5,001–₹40,000), the value is significantly higher than most flat-rate cashback cards. |
Consolidate Online Purchases | Route all online shopping, subscriptions, food delivery, and e-commerce purchases through this card to accumulate cashback quickly within the month. |
Use for Utility Bills | Pay electricity, water, and other utility bills using this card to earn 0.5% cashback and a benefit not offered by competing cards like SBI Cashback. |
EazyDiner Once a Month | Use the EazyDiner dining discount once a month at partner restaurants to earn 25% off your bill, adding offline value to this primarily online-focused card. |
Track Monthly Spend Slabs | Keep an eye on your cumulative monthly online spends to understand which cashback slab you are in. Cashback is computed on net monthly spends, not per transaction. |
Avoid Using for Excluded Categories | Do not use this card for fuel, rent, or wallet loads if you are trying to maximise cashback, as these are excluded categories. |
Achieve Annual Spend Waiver | Target ₹4,00,000 in annual eligible spends to waive the ₹1,000 + GST annual fee. This works out to approximately ₹33,333 per month in non-excluded spends. |
Use Offline for Remaining Spend | For offline and travel purchases where better cashback cards are not available, the 0.75% unlimited cashback on this card still provides a reasonable return. |
Pay in Full Monthly | Always clear your entire statement balance by the due date to avoid finance charges of 3.75% per month, which would negate any cashback earned. |
Pair with a Travel Card | Since this card lacks lounge access, pair it with a dedicated travel card for flight bookings and lounge visits. Use the Axis Cashback Card for all online spends. |
Maintain Invoice Records | Some users have reported that Axis Bank may classify certain online transactions as offline. Keep purchase invoices readily available to raise disputes and claim the correct cashback rate if needed. |
Set Up Alerts | Enable SMS and email transaction alerts to monitor spending in real time and detect any discrepancies in cashback classification promptly. |
The Axis Bank Cashback Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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