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Axis Bank · Visa, Mastercard

Axis Bank Cashback Credit Card

Tiered 2%, 5% and 7% cashback on eligible monthly online spend, 0.75% on eligible offline and travel spend, and 0.5% on utility bills

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SegmentCashback
Joining fee₹1,000 + GST
Annual fee₹1,000 + GST
Reward typeCashback

Reward categories

Eligible online spend up to ₹5,000 in a statement month2% cashback

Cap: ₹100 per statement month

Online travel and excluded MCCs do not qualify for this accelerated bucket

Eligible online spend from ₹5,001 through ₹40,000 in a statement month5% cashback on this incremental band

Cap: ₹1,750 per statement month

Eligible online spend above ₹40,000 in a statement month7% cashback on this incremental band

Cap: ₹2,150 per statement month; total accelerated cashback cap ₹4,000

Eligible offline card-present and travel spends0.75% cashback

Cap: No cap published; Axis describes this earn as unlimited

Travel is eligible whether online or offline, subject to the issuer's travel MCC list

Utility bill payments0.5% cashback

Cap: ₹100 per statement month

Telephone bill payment MCC 4814 follows the online/offline channel earn rather than this utility bucket

Welcome & milestones

Welcome

  • 5,000 EDGE REWARD Points worth ₹1,000First spend within 30 days of issuance and joining fee paid

Milestones

None listed in the imported record.

Lounge rules

Domestic: Not published on the cited Axis sources

International: Not published on the cited Axis sources

Railway: Not published on the cited Axis sources

The cited product page and card terms do not publish complimentary lounge access

Exclusions

Transportation and tollsInsuranceEducational institutionsJewellery, precious metals and watchesGovernment institutionsWalletRentFuelEMI transactions and later EMI conversionsCash withdrawals, fees, charges and GST

Recent changes

  1. Axis published updated Cashback Credit Card terms effective from this date.
  2. Axis Bank's revised Most Important Terms and Conditions took effect. The card's own terms and conditions document carries no revision of this date, so the changes reach this card through the MITC: DCC markup of 3.5% on retail cards, a further 3.5% fee on a customer-initiated refund of a foreign transaction, late payment fees of up to ₹1,300, and payment apportionment in the order fees and charges, EMIs, interest, purchases, cash advances.

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