Axis Bank Cashback Credit Card
High-value tier-based cashback for heavy online shoppers.
Overview
The Axis Bank Cashback Credit Card is a premium entry-level card and a successor to the Citi Cashback card. It features a unique tier-based cashback system that rewards high-volume online spending with up to 7% cashback, making it one of the most aggressive cashback cards for digital consumers in 2026.
Features & Benefits
Joining & Renewal Benefits
5,000 EDGE Reward Points (worth ₹1,000) upon the first transaction within 30 days of issuance.
Spend-based waiver of the ₹1,000 annual fee upon reaching the ₹4 Lakh milestone.
Cashback & Rewards
- • Accelerated Online Cashback: Capped at ₹4,000 per statement month.
- • Utility Cashback: 0.5% bonus cashback, capped at ₹100 per month.
- • Offline/Travel Cashback: No upper limit.
Auto-Credit System. Earned cashback is automatically credited to the next month's statement. No manual redemption or minimum threshold required.
Lifestyle Benefits
- • Dining Delights: Up to 25% instant discount via EazyDiner (Max ₹800/month on min. spend of ₹2,500).
- • Contactless Payments: Built-in chip for secure tap-to-pay transactions.
1% waiver at all petrol pumps in India.
3.5% on international transactions.
Fees & Charges
- • Extremely high cashback rate (7%) for heavy online spenders.
- • Hassle-free automatic cashback credit.
- • Welcome benefit fully offsets the joining fee.
- • High annual fee waiver threshold (₹4 Lakh).
- • No Airport Lounge access.
- • Low cashback rate (0.5%) on utilities compared to peers.
- • Fuel transactions
- • Rent payments
- • Wallet loads
- • EMI transactions
- • Jewelry purchases
Facility available as per bank policy.
- • Age: 18–70 years
- • Documents: PAN, Income Proof (Payslip/ITR), Residence Proof.