Card Details
Cashback Credit Card
Monzy Score
7.5/ 10
Very good for frequent travellers.
Strong ~7% back in its core category; high 3.5% forex markup.
Card Issuer
Axis Bank
Joining Fee
₹1,000
Annual Fee
₹1,000
Reward Type
Cashback
Card Access
Standard
Changes to this card
Offers from Axis Bank
See all8% instant discount up to ₹4,500* on Flipkart
Shopping Deals · till 12 Sep 2026
Up to 12% instant discount up to ₹5,000 on Paytm Flights
Travel Deals · till 15 Sep 2026
Up to 12% instant discount up to ₹5,000 on ixigo
Travel Deals · till 15 Sep 2026
Up to 12% instant discount up to ₹5,000 on Yatra
Travel Deals · till 15 Sep 2026
Get instant discount up to ₹15,000* at Apple authorised reseller stores
Electronics Deals · till 26 Sep 2026
Earn Points
7%
On Online Spends Above ₹40K/Mo (max ₹2,150/Mo)
5%
On Online Spends ₹5K-₹40k/Mo (max ₹1,750/Mo)
0.5%
Cashback on utility spends (₹100 monthly cap)
Benefits
Up to 7% cashback on online spends
- Tiered online cashback up to 7%
- 2% on first ₹5,000 online spends per statement
- 5% on ₹5,001–₹40,000 and 7% beyond
- Total cashback limited to ₹4,000 per statement cycle
- No cashback on categories like fuel, rent, wallets, government, insurance, education or jewellery
Up to 25% off on EazyDiner
- Monthly dining discount via EazyDiner
- Instant discount capped at ₹800 per month
- Available on qualifying minimum bill via EazyDiner
- CardInsider’s benefit table lists 20% instead of 25%; verify current rate with Axis Bank
0.5% cashback on utilities
Annual fee waiver at ₹4L yearly spend
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, wallet, jewellery, emi, cash advance
Estimated Returns
Utility bills & mobile/DTH recharge via Google Pay
5% (Android Google Pay only). Combined Rs.500/month cap shared with the 4% category.
₹500
Swiggy, Zomato & Ola
4% cashback. Combined Rs.500/month cap shared with the 5% category.
₹500
All other spends
1.5% cashback, uncapped. (Axis ACE card.)
₹113
Total Annual Return
₹13,350
3.71% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“Axis Bank Cashback Card now open to the public (7%”
by r/CreditCardsIndia, Jul 2025
“Axis Bank Cashback Credit Card launched! upto 7% on”
by r/CreditCardsIndia, Jul 2024
“Unpopular opinion: Axis Cashback is much better then SBI”
by r/CreditCardsIndia, Nov 2025
“Axis CashBack Credit Card: Rewards Breakdown”
by r/CreditCardsIndia, Mar 2026
“Axis Cashback CC query”
by r/CreditCardsIndia, Apr 2026
Alternatives
If you spend…
Recommendation
> ₹40K online/month
Axis Cashback CardMostly Amazon / Flipkart
Amazon Pay ICICI₹20K – ₹35K online
Stay with this cardStudent / first card
Cashback SBIFrequently Asked Questions
The Cashback Credit Card charges ₹1,000 plus GST as a joining fee and the same ₹1,000 again at renewal. Axis Bank waives the renewal fee if you spend ₹4L in the previous year, which is about ₹33,333 a month. If your card spend sits below that, treat ₹1,000 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
Online cashback is tiered: 2% up to ₹5,000, 5% from ₹5,001 to ₹40,000, and 7% above ₹40,000 per statement month.
Total cashback on accelerated (online) spends is limited at ₹4,000 per statement month.
0.5% cashback on Utilities is limited at ₹100 per statement month.
Cashback is not paid on categories such as transportation, tolls, insurance, educational institutions, jewellery, precious metals, watches, government institutions, wallet loads, rent and fuel.
