AXIS

Axis Bank Cashback Credit Card

Good fit when rewards, fees, and forex fit your spend pattern.

Should you get this?

Conditional fit

Confirm terms with the issuer

Why this card

  • Up to 7% on online spend
  • 7% on eligible Online shopping, subject to caps.
  • 0.75% on other eligible spending.
Issuer evidence · 3 sources →

Trade-off

The annual fee (₹1,000) is waived only when eligible annual spend exceeds ₹4,00,000.

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 above
ScopeRateEligibilityLimit
General spend0.8%——
Online shopping7%online only₹400 per month

When does this card pay for itself?

Rewards break-even estimate
₹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 get

Base earn

0.75% base cashback

Reported reward terms

Evidence · not used in rates or comparisons

Reported category terms

Shopping
25% cashbackDomestic spend

Reported by secondary sources · verify with issuer1 other source

Evidence only · excluded from decisions

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹4,00,000yearAnnual fee waiver

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: Up to ₹380 base cashback if the entire ₹50,000 qualifies for the general-spend lane · uses base/general earn rate
  • ~₹4,560/year base cashback · renewal annual fee waived at this spend (joining fee may still apply in year 1)
  • 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 facts
Benefits

Lounge Access

Domestic (cardholder)
No complimentary lounge access
International (cardholder)
No international lounge entitlement documented by the issuer Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

Rewards

Base earn
0.75% base cashback
Reward type
Cashback
Fees & charges

Fees

Monthly interest rate
3.75% / month
Annual fee
₹1,000
Joining fee
₹1,000 · verified 3 Sept 2026
Fee waiver spend
Above ₹4,00,000 · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend above ₹4,00,000.
Interest-free period
Up to 50 days · verified 7 Jul 2026

International Use

Forex markup
3.5%

Issuer documented · single source · verify on issuer site

Where to verify
  • Operator-verified anchor
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 benefits
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Axis Bank Cashback
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HDFC Bank Millennia
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Axis Bank Cashback
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HSBC India Live+
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Axis Bank Cashback
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ICICI Bank Coral RuPay
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Axis Bank Cashback
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ICICI Bank Coral Visa

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • Online cashback 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 facts

Is 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 above ₹4,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.

Learn

Learn more

Guides matched to this card — not a random syllabus.

All guides →
Last refreshed 4 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.