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Axis Cashback

Tiered online cashback with auto-credit simplicity.

Axis Bank Cashback Credit Card

Online

2% to 7% cashback on eligible online spends

Cap

₹4,000 accelerated online cap/cycle; 0.75% travel/offline unlimited

Offline

0.75% unlimited eligible travel/offline cashback

Welcome

5,000 EDGE RP: first transaction in 30 days, fresh fee-paid issuance only

Fee

Rs 1,000 + GST, waived at Rs 4L spends

Up to 7% online

Progressive statement-cycle slabs on eligible non-travel online spending: 2% on first ₹5,000, 5% on next ₹35,000, then 7% above ₹40,000

Rs 4,000 cap

₹4,000 per statement cycle for accelerated online cashback only; eligible travel/offline 0.75% is unlimited and utilities have a separate ₹100 cap

Auto-credit

Cashback is automatically posted as statement credit before the next billing cycle.

Offline cashback

0.75% unlimited on eligible offline spending 0.75% on eligible travel, including railways, online or offline; travel does not earn the 2%–7% online rate

Utility cashback

0.5% on eligible utilities, separately capped at ₹100 per statement cycle

Axis Cashback: fees & key facts

Axis Cashback credit card fees and key facts
Joining feeRs 1,000 + GST, around Rs 1,180
Annual feeRs 1,000 + GST; waived on Rs 4 lakh annual spend
Welcome benefit5,000 EDGE RP after a qualifying first transaction within 30 days on fresh fee-paid issuance; migrated and fee-free cards do not qualify
Online cashbackProgressive statement-cycle slabs on eligible non-travel online spending: 2% on first ₹5,000, 5% on next ₹35,000, then 7% above ₹40,000
Maximum cashback₹4,000 per statement cycle for accelerated online cashback only; eligible travel/offline 0.75% is unlimited and utilities have a separate ₹100 cap
Offline cashback0.75% unlimited on eligible offline spending
Utility cashback0.5% on eligible utilities, separately capped at ₹100 per statement cycle
Cashback creditCashback is automatically credited as statement credit before the next billing cycle
ExclusionsTolls and bridge or road fees, insurance, education, jewellery, government, wallets, gift cards, rent and fuel are excluded. Eligible travel and railway purchases are not a blanket exclusion
Premium perksNo lounge access or premium travel benefits
Travel cashback0.75% on eligible travel, including railways, online or offline; travel does not earn the 2%–7% online rate

Public issuer terms checked 3 October 2026.

Axis Cashback programme terms

Who should get it

Axis Cashback offers progressive statement-cycle online slabs: 2% on the first ₹5,000, 5% on the next ₹35,000 and 7% above ₹40,000 of eligible non-travel online spend. Only that accelerated bucket has the ₹4,000 cap.

Eligible travel including rail earns 0.75% online or offline, and eligible offline cashback is unlimited. Utilities earn 0.5% with a separate ₹100 statement-cycle cap. Excluded merchant categories earn nothing.

Reward exclusions

Transactions that do not earn cashback

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

  • Bridge fees, road fees and tolls
  • Insurance, education and government payments
  • Jewellery, precious metals and watches
  • Wallets, gift cards, rent and fuel
  • EMI, balance transfers, cash withdrawals, fees, charges and GST
  • Disputed or reversed transactions

Eligible utility bills earn 0.5%, capped at ₹100 per statement cycle. Telephone payments use the normal online/offline rate. Eligible travel and railway payments are not a blanket exclusion.

Checked 3 October 2026Axis Cashback terms

Axis Cashback FAQs

What is the annual fee of the Axis Bank Cashback Credit Card?

The joining fee and annual fee are Rs 1,000 plus GST. The annual fee is waived on Rs 4 lakh annual spend.

How does Axis Cashback online cashback work?

Progressive statement-cycle slabs on eligible non-travel online spending: 2% on first ₹5,000, 5% on next ₹35,000, then 7% above ₹40,000. 0.75% on eligible travel, including railways, online or offline; travel does not earn the 2%–7% online rate

What is the monthly cashback cap?

₹4,000 per statement cycle for accelerated online cashback only; eligible travel/offline 0.75% is unlimited and utilities have a separate ₹100 cap

How is cashback credited?

Cashback is automatically credited as statement credit before the next billing cycle, so there is no manual redemption process.

Does Axis Cashback include lounge access?

No. The card offers no lounge access or premium travel benefits, so it is a pure cashback card rather than a lifestyle or travel card.

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