Axis Bank · Mastercard World
Axis Cashback
A simple cashback card with tiered 2% to 7% online cashback, 0.75% offline cashback and automatic statement credit.
- Cashback
- Online
- Auto-credit
- Earn 2% to 7% cashback on eligible online spends based on monthly online spend slabs, capped at Rs 4,000 per month.
- Offline spends earn 0.75%, utilities earn 0.5% capped at Rs 100/month, and cashback auto-posts to the next statement.
- Fee
- Rs 1,000 + GST Waiver at Rs 4L
- Online
- Up to 7%
- Cap
- Rs 4,000/mo
At a glance
Axis Cashback highlights
- Online
- 2% to 7% cashback on eligible online spends
- Cap
- Up to Rs 4,000 cashback per month
- Offline
- 0.75% cashback on offline spends
- Welcome
- Welcome Benefit of 5000 EDGE Reward Points (worth ₹1000) on your first transaction
- Fee
- Rs 1,000 + GST, waived at Rs 4L spends
Axis Cashback: fees & key facts
| Joining fee | Rs 1,000 + GST, around Rs 1,180 |
|---|---|
| Annual fee | Rs 1,000 + GST; waived on Rs 4 lakh annual spend |
| Welcome benefit | 5,000 EDGE Reward Points worth Rs 1,000 on the first transaction |
| Online cashback | Tiered monthly structure: 2% up to Rs 5,000 online spend, 5% from Rs 5,001 to Rs 40,000, and 7% above Rs 40,000 |
| Maximum cashback | Maximum monthly cashback of Rs 4,000; illustrative monthly online spend of Rs 70,715 can generate around Rs 4,000 cashback |
| Offline cashback | 0.75% cashback on offline transactions |
| Utility cashback | 0.5% cashback on utility bills, capped at Rs 100 per month |
| Cashback credit | Cashback is automatically credited as statement credit before the next billing cycle |
| Exclusions | Transportation and tolls, insurance, educational institutions, jewellery, government institutions, wallet, rent and fuel transactions are excluded |
| Premium perks | No lounge access or premium travel benefits |
Last verified 4 July 2026. Issuer terms and offers can change; confirm them before applying.
Who should get it
Axis Cashback is a simple online-spend card. It is built for users who want statement-credit cashback without managing points, redemptions or transfer partners.
The card's main appeal is the tiered online cashback structure: 2% on smaller online spends, 5% in the middle slab and 7% after monthly online spends cross Rs 40,000, with total monthly cashback capped at Rs 4,000.
It works best for regular online shoppers who can route meaningful digital spends through eligible categories. It is weaker for offline-heavy users, travel perks and excluded categories such as fuel, rent, wallets, insurance and government payments.
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?
The card uses monthly online spend slabs: 2% up to Rs 5,000, 5% from Rs 5,001 to Rs 40,000, and 7% above Rs 40,000, subject to eligible categories and the monthly cashback cap.
What is the monthly cashback cap?
The monthly cashback cap is Rs 4,000. Around Rs 70,715 in eligible monthly online spend can generate roughly Rs 4,000 cashback.
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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