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Axis Bank
Axis Bank Cashback Credit Card
Mastercard
Axis Bank Cashback Credit Card
A straightforward direct-cashback card — 5% back on online spends (capped ₹4,000/month), 1% on everything offline, no points to redeem or expire.
Rates and fees last verified 15 July 2026.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
cashback
Base reward rate
1%
Card network
Mastercard
Card tier
Mid
Benefits by category
- 🛍️ Shopping
5% reward rate (capped ₹4,000/monthly)
- 🧾 Utilities
0.5% reward rate (capped ₹100/monthly)
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹400 per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 18–70
Benefits
- 1% fuel surcharge waiver, capped at ₹400 per statement cycle
Pros
- + 5% cashback on online spends, credited automatically
- + Uncapped 1% cashback on offline/general spend
- + No point-value math or redemption catalogue
Cons
- − ₹4L spend needed to waive the ₹1,000 fee
- − Utility cashback capped low at ₹100/month