Axis Cashback credit card

Axis Cashback

Axis Bank · Visa

Axis Cashback card gives a flat 5% cashback on online spends across all merchants — no category restrictions, no brand tie-ups.

Annual Fee

₹500

Waived at ₹2.0L spend

Joining Fee

₹500

Base Reward Rate

5X

₹1/pt

Min CIBIL

700

₹3L+ income

Key Features

5% cashback on all online spends across any merchant
2% cashback on all offline/in-store spends
No merchant restrictions — cashback on every online purchase
Annual fee waived on ₹2 lakh spend
Cashback credited directly to statement — no points conversion
Zero fuel surcharge at all petrol pumps
Contactless payment enabled
Add-on cards for family members

Welcome Benefits

✓

500 EDGE Reward Points on First Spend

Earn 500 EDGE Reward Points on your first transaction within 90 days of card activation

✓

Zero Annual Fee First Year

No annual fee charged in the first year of membership

Reward Rates by Category

Dining

2X

Travel

2X

Online

5X

Shopping

2X

Grocery

2X

Fuel

1X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
All Online MerchantsOnline Shopping5X
All Offline MerchantsOffline Retail2X

Milestone Benefits

₹2.0 L

Annual Fee Waiver

Spend ₹2 lakhs in a membership year to waive the annual fee for the following year

Annual

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Credit Shield

Dues waived on accidental death

Outstanding balance

Zero Liability on Lost Card

Report card loss promptly

100% fraudulent charges

Pros

  • Flat 5% cashback on all online spends
  • No merchant restrictions
  • Cashback posted monthly
  • Annual fee waived on spend
  • Easy to track in Axis app

Cons

  • No cashback on offline spends
  • Monthly cashback cap
  • No lounge access

Frequently Asked Questions

What cashback do I earn online?+
5% cashback on all online spends — no merchant restrictions. Every online purchase qualifies.
What offline?+
2% cashback on all offline and in-store spends.
Is cashback capped?+
Yes, there is a monthly cap. Check Axis Bank's current terms for the applicable limit.
Annual fee?+
₹500. Waived on ₹2 lakh annual spend.
Is cashback auto-credited?+
Yes — credited directly to statement, no manual redemption needed.

Ready to apply?

Apply on the Axis Bank website. Usually takes 10 minutes.

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Axis Cashback

₹500/yr · 5X rewards