Axis Bank

Core

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Axis Bank Cashback

cashback

Axis Bank · Core

Axis Bank Cashback

cashback 5% on Online Shopping 4 lounge visits

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The bottom line

First-year value

+₹7,881.00

incl. joining fee

Ongoing / yr

+₹7,881.00

after ₹999.00 fee

Fee payback

~2 mo

rewards cover the fee

Why it fits: your spend is 18% in this card's accelerated categories — strongest on Online Shopping, worth about ₹740/month back on online shopping.

Estimated on an illustrative spend profile. Use the calculator below to match your own.

What would this card earn you?

Monthly spend₹82,400

₹32,960Your spend₹1,64,800

Annual reward

₹8,880

Annual fee

₹999

Net value

+₹7,881

View category breakdown

Online Shopping₹8,880/yr@ 5%

Reward rates

Online Shopping5 %

Key facts

Annual fee

₹999.00

Joining fee

₹999.00

Interest (p.m.)

3.4%

Forex markup

3.5%

Domestic lounge

4/yr

Intl lounge

None

Fuel waiver

1% (₹400/mo cap)

Min CIBIL

700+

Welcome benefit

₹500 Amazon voucher on first spend

Key Fact Statement

As required by RBI circular RBI/2023-24/53 · auto-generated from live issuer data

RBI KFS

Parameter	Value	Note
Loan/credit product	Axis Bank Axis Bank Cashback Credit Card	Product name
Annual Percentage Rate (APR)	40.80% p.a.	Effective cost of credit on outstanding balance
Monthly finance charge	3.40% per month on outstanding	Applied after interest-free period lapses
Interest-free period	Up to 50 days (if full due paid by due date)	No interest when bill settled in full each cycle
Annual fee / joining fee	₹999 joining · ₹999 annual	Charged on first statement and each anniversary
Minimum amount due (MAD)	5% of total outstanding or ₹200 (whichever is higher)	Paying only MAD incurs finance charge on remaining balance
Late payment charge	₹100–₹1,300 depending on outstanding amount	Levied if MAD not paid by due date
Cash advance fee	2.5% of amount or ₹500 (whichever is higher)	Plus finance charge from day of withdrawal
Forex markup fee	3.50% on international / foreign-currency transactions	Over and above the card network exchange rate
Over-limit fee	2.5% of over-limit amount or ₹550 (whichever is higher)	If spend exceeds sanctioned credit limit
Representative example	₹10,000 outstanding for 12 months at 3.40%/month = total repayable ₹12,345 (APR 40.80%)

Rates and charges are indicative and sourced from the issuing bank's Schedule of Charges. Actual charges are determined solely by the issuing bank at the time of sanction. This KFS is auto-generated by Naxelona and does not constitute an offer of credit. Credit is subject to the issuing bank's credit assessment and eligibility criteria.

All cards

Soft check via the RBI Account Aggregator framework — no impact on your CIBIL score.

Overview

The Axis Bank Cashback Credit Card is designed for everyday Indian online shoppers who want real, straightforward savings on their digital spends. With a flat 5% cashback on online shopping and a modest ₹999 annual fee, this card offers strong value for anyone who regularly shops on e-commerce platforms. It also comes with practical perks like domestic lounge access and a fuel surcharge waiver, making it a well-rounded entry-level cashback card.

Key benefits

Key Benefits

₹500 Amazon Gift Voucher credited as a welcome benefit on your first transaction
4 complimentary domestic airport lounge visits per year (1 per quarter)
1% fuel surcharge waiver at fuel stations across India, capped at ₹400 per month
Simple cashback model — no points conversion required
Accepted globally wherever Visa/Mastercard is accepted

Rewards

Rewards & Cashback

5% cashback on Online Shopping – applicable on purchases made through online merchants and e-commerce platforms
Cashback is credited directly to your statement, ensuring hassle-free redemption
No complicated points system or catalogue redemptions — your savings are automatically applied

> Note: Cashback rates and applicable merchant categories are subject to Axis Bank's current programme terms. Please verify the latest eligible categories on the Axis Bank website before applying.

Fees & charges

Fees & Charges

| Charge | Amount |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee (renewal) | ₹999 |
| Finance Charge (interest) | 3.4% per month |
| Foreign Currency Markup | 3.5% of transaction value |
| Fuel Surcharge Waiver Cap | ₹400 per month |

The ₹999 annual fee is charged from the second year onward; the same amount applies as a joining fee in the first year.
A 3.5% forex markup makes this card less ideal for frequent international travellers or overseas online purchases.
To avoid paying the 3.4% monthly finance charge, always pay your statement balance in full and on time.

Features

Card Features

Cashback card suited for online-first spenders
Domestic Lounge Access: 4 visits per year (no international lounge access included)
Welcome Benefit: ₹500 Amazon voucher on first spend within the specified period
Fuel Surcharge Waiver: 1% waiver, capped at ₹400 per statement cycle
Contactless payment enabled for quick and secure tap-to-pay transactions
EMI conversion facility available on eligible transactions

Eligibility

Eligibility Criteria

To apply for the Axis Bank Cashback Credit Card, you should meet the following minimum requirements:

Minimum Annual Income: ₹3,00,000
Minimum CIBIL Score: 700
Age: Typically 18–70 years (as per Axis Bank's standard credit card policy)
Residency: Indian resident
Both salaried and self-employed individuals may apply, subject to Axis Bank's credit assessment

> Meeting the minimum criteria does not guarantee card approval. Final approval is at the sole discretion of Axis Bank.

Terms

Terms & Conditions

All fees, cashback rates, and benefits listed on this page are based on information available at the time of publishing and are subject to change by Axis Bank at any time without prior notice.
Cashback on online shopping is subject to Axis Bank's programme terms, including eligible merchant categories and monthly/annual caps that may apply.
The fuel surcharge waiver of 1% is capped at ₹400 per statement month and applies only to transactions within the specified fuel spend range per Axis Bank's policy.
The ₹500 Amazon welcome voucher is subject to conditions, including a minimum first spend requirement and validity period set by Axis Bank.
Lounge visits are subject to availability and the lounge access programme's terms; the 4 complimentary visits are for domestic lounges only.
The 3.4% monthly finance charge applies to outstanding balances; always pay your dues in full to avoid interest accumulation.
Terms and conditions apply. Naxelona is a financial products marketplace and not the card issuer. For complete and current terms, please refer to the official Axis Bank website or contact Axis Bank directly before applying.

Frequently asked questions

What cashback do I get on the Axis Bank Cashback Credit Card?

You earn a flat 5% cashback on online shopping transactions. The cashback is credited directly to your statement, so there is no need to manually redeem points or vouchers. Specific eligible merchant categories are defined by Axis Bank and may be updated periodically.

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

Both the joining fee and the annual renewal fee are ₹999 each. The joining fee is charged when you first receive the card, and the ₹999 annual fee applies from the second year onward.

Does this card offer any airport lounge access?

Yes, the Axis Bank Cashback Credit Card provides 4 complimentary domestic airport lounge visits per year. There is no international lounge access included with this card.

What is the minimum CIBIL score required to apply?

Axis Bank requires a minimum CIBIL score of 700 for the Cashback Credit Card. A higher score generally improves your chances of approval and may result in a better credit limit.

Is the Axis Bank Cashback Credit Card good for international use?

This card carries a foreign currency markup of 3.5%, which means overseas or cross-border online transactions will attract an additional 3.5% charge on the converted amount. If you travel internationally or shop frequently on foreign websites, you may want to consider a card with a lower or zero forex markup.

What is the welcome benefit on the Axis Bank Cashback Credit Card?

New cardholders receive a ₹500 Amazon gift voucher as a welcome benefit upon making their first transaction within the stipulated period. The exact conditions, including the minimum spend required and voucher validity, are set by Axis Bank and are subject to their current offer terms.