Base earn
0.75% base cashback
AXIS VISA
Cashback
Should you get this?
Conditional fit
Why this card
- Up to 7% on online spend
- You can comfortably spend ₹4,00,000 a year on the card.
- You spend on online shopping.
Trade-off
The annual fee (₹1,000) is waived only after ₹4,00,000 of eligible annual spend.
Annual fee ₹1,000 per year
Base cashback 0.8%
Lounge access 0 no lounge
Forex markup 3.5% high
Compare with HDFC Bank Millennia →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend0.8%——
Online shopping7%online only₹400 per month
Annual fee break-even math
When does this card pay for itself ₹1.3L
Conservative yearly spend needed at base cashback rates.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getBest verified lane
Online shopping
7%
View bonus categories →Caps
- Online shopping₹400 per month
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹4,00,000yearAnnual fee waiverhighstrong
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~₹380/month back (base earn · uses base/general earn rate)
- ~₹4,560/year back · net +₹3,560 after ₹1,000 fee
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- No complimentary lounge access
2 sources agree · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
- International (cardholder)
- Not included
2 sources agree · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
Rewards
- Base cashback
- 0.75% base cashback
- Reward type
- Cashback
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹1,000
- Joining fee
- ₹1,000
- Fee waiver spend
- ₹4,00,000 Above catalog median waiver (₹2,00,000 vs ₹4,00,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
4 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- BankBazaar
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Mid-tier
Travel & perks
Fuel Benefits
At the pump- No fuel surcharge waiver is available on this card.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Monthly cap:₹400 per month.
Latest update
- Annual fee: ₹1,000.
- Forex markup currently listed at 3.5%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies at ₹4,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit worth ₹1,000 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- Cashback vs points
When simple cash beats flashy miles - Billing cycle
Statement date vs due date, clearly - How interest works
The real cost of paying the minimum