Axis
Axis Cashback Credit Card
This is an invite only card
Apply and get ₹1300 Rewards
Top Benefits
Earn Up To 7% Cashback On Online Spends
tiered across monthly spend brackets, capped at ₹4,000 per statement month
Earn 0.75% Unlimited Cashback On All Offline
and Travel Spends on eligible point-of-sale and travel transactions with no monthly cap
Best For
Shopping
Travel
Utility Bills
Expert Review
The Axis Cashback credit card brings an interesting dynamic to the cashback market. I love the fact that the cashback is automatically adjusted to the statement - it saves so much time compared to logging into slow reward portals. Earning 7% on online spends is fantastic, especially when you are buying high-value items like furniture or premium electronics online.
However, the slab system is a double-edged sword. If you are a light shopper who spends less than Rs. 5,000 online per month, earning a mere 2% is highly disappointing. Competitor cards offer a flat 5% from the very first rupee. Furthermore, the complete lack of lifestyle perks—like lounge access or movie discounts—means this card cannot serve as your standalone primary card.
Verdict: Get this card if your online shopping cart routinely crosses Rs. 40,000 a month. You will easily maximize the 7% slab and pocket the maximum Rs. 4,000 monthly cap. If your online spends are low or highly unpredictable, a flat-rate competitor card will yield better consistency.
Joining / Annual Fee
Joining Fees
₹1,180 ( ₹1000 + GST )
Annual Fees
₹1,180 ( ₹1000 + GST )
Cost management is crucial when evaluating a credit card. The Axis Cashback credit card charges a one-t...
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Cost management is crucial when evaluating a credit card. The Axis Cashback credit card charges a one-t...
Cost management is crucial when evaluating a credit card. The Axis Cashback credit card charges a one-time joining fee of Rs. 1,000 plus applicable taxes. However, as mentioned earlier, this fee is highly manageable because the bank offsets it by offering Rs. 1,000 worth of EDGE Reward Points on your first transaction.
From the second year onward, an annual renewal fee of Rs. 1,000 is charged to your account. You can completely avoid this charge if you are a regular user. The bank waives the annual fee if your total spending reaches Rs. 4 lakh or more in your anniversary year. To hit this waiver target, you need to route an average of Rs. 33,333 through your card every month.
View FAQ
Commonly Asked Questions
What is the joining fee for this card?
A one-time joining fee of Rs. 1,000 plus GST is charged when the card is issued.
How do I get my joining fee back?
You receive EDGE Reward Points worth Rs. 1,000 upon making your first transaction, which effectively neutralizes the joining fee cost.
What is the annual renewal fee?
The card has an annual fee of Rs. 1,000 plus GST, charged from the second year onwards.
How can I get the annual fee waived?
The annual fee is waived automatically if you spend Rs. 4 lakh or more on your card during the preceding anniversary year.
If I spend Rs. 30,000 every month, will I get the fee waiver?
Rs. 30,000 per month equals Rs. 3.6 lakh a year. This falls short of the Rs. 4 lakh target, so you will be charged the Rs. 1,000 annual fee.
Do excluded spends count toward the fee waiver milestone?
Transactions like rent, fuel, and wallet loads are excluded from milestone calculations.
Is the fee charged on the calendar year or card anniversary year?
The spending target of Rs. 4 lakh is calculated based on your card anniversary year (12 months from the date of card issuance).
Can I get this card lifetime free?
The bank provides lifetime free options through special invitation or during festive promotional periods based on your credit profile.
What happens if I forget to pay the annual fee?
The fee will attract interest at 3.75% per month and late payment penalties, heavily impacting your outstanding balance and credit score.
Does the fee waiver include GST?
When the annual fee is waived due to milestone spending, the corresponding GST amount is also not charged to your account.
Eligibility
Age
Criteria*
21-70 years
Salary
Criteria*
6LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
Before applying, you must meet the bank's demographic and financial parameters. The Axis Cashback credi...
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Before applying, you must meet the bank's demographic and financial parameters. The Axis Cashback credi...
Before applying, you must meet the bank's demographic and financial parameters. The Axis Cashback credit card is available to both salaried employees and self-employed professionals. The primary applicant must be at least 21 years old and no older than 70 years at the time of application.
Your credit health plays a major role in the approval process. The bank requires a solid credit history, specifically a CRIF score of 750 or above.
Income requirements are strictly defined. If you are salaried, you need a minimum annual income of Rs. 6 lakh. That means a Rs. 50,000 monthly salary qualifies you. If you are self-employed, the requirement is slightly higher at Rs. 7 lakh annually, which breaks down to roughly Rs. 58,333 per month.
View FAQ
Commonly Asked Questions
What is the minimum age requirement for this card?
Applicants must be at least 21 years old at the time of application.
Can a 65-year-old self-employed businessman apply?
Yes, the maximum age limit is 70 years, so a 65-year-old is fully eligible as long as the income criteria are met.
What is the minimum monthly salary needed?
Salaried individuals need an annual income of Rs. 6 lakh, which equals Rs. 50,000 per month.
What is the income criteria for freelancers and business owners?
Self-employed applicants must show an annual income of at least Rs. 7 lakh.
Do I need a credit score to get this card?
Yes, the bank specifically requires a CRIF score of 750 or higher to approve your application.
What if my CRIF score is 720?
A score of 750 or above is required as per the bank's policy. A score of 720 leads to rejection, though the final decision rests with the bank's internal underwriting team.
Are self-employed professionals eligible?
Yes, both salaried and self-employed individuals can apply for the Axis Cashback credit card.
Can I apply if I earn Rs. 40,000 per month?
No, Rs. 40,000 per month equals Rs. 4.8 lakh annually, which falls short of the Rs. 6 lakh minimum requirement.
Is this card available for NRIs?
Non-Resident Indians (NRIs) are eligible for this card by providing proof of an NRO/NRE account along with income documents verified by their local embassy.
Can a college student with no income get this card?
No, the strict income requirement of Rs. 6 lakh per annum means students without formal income do not qualify.
All Card Benefits
- Up to 7% cashback on online spends (2% up to ₹5,000 / 5% up to ₹40,000 / 7% above ₹40,000), capped at ₹4,000 per statement month.
- 0.75% unlimited cashback on all offline and travel spends.
- 0.5% cashback on utility bill payments, capped at ₹100 per statement month.
- 15% instant discount on EazyDiner, capped at ₹500 per month on minimum order of ₹2,500.
- 5,000 EDGE Reward Points worth ₹1,000 on first transaction within 30 days.
Welcome Benefits
To help offset the initial cost of getting the card, the bank provides a welcome bo...
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Welcome Benefits To help offset the initial cost of getting the card, the bank provides a welcome bo...
Welcome Benefits
To help offset the initial cost of getting the card, the bank provides a welcome bonus. You earn EDGE Reward Points worth Rs. 1,000 on your first transaction. You must complete this transaction within 30 days of card issuance to qualify. This effectively neutralizes your Rs. 1,000 joining fee right from the start.
Reward Points Structure and Cashback
The core strength of the Axis Cashback credit card lies in its online spend slabs. Rather than a flat rate, your cashback percentage grows with your cart size. For online spends, you earn 2% cashback on amounts up to Rs. 5,000. For amounts between Rs. 5,001 and Rs. 40,000, the rate jumps to 5%. If your online spending crosses Rs. 40,000, you earn 7% on the amount above that threshold. The total cashback you can earn is capped at a generous Rs. 4,000 per statement month.
For all offline purchases and travel spending, you earn a flat, unlimited base cashback of 0.75%. Additionally, the card offers a specific bank benefit of 0.5% cashback on utility bill payments, up to a maximum of Rs. 100 per month.
Let us look at a practical calculation. Say you spend Rs. 45,000 online in one billing cycle. You get 2% on the first Rs. 5,000 (Rs. 100), 5% on the next Rs. 35,000 (Rs. 1,750), and 7% on the remaining Rs. 5,000 (Rs. 350). Your total cashback for that month would be Rs. 2,200. Over a year, this same spending pattern translates to Rs. 26,400 in direct savings.
Dining Benefits
Food lovers can take advantage of exclusive restaurant offers through the Axis Bank Dining Delights Program. This program partners with various premium and casual dining outlets across the country, providing instant discounts when you settle the bill using your card.
Travel Benefits
While not a dedicated travel card, it provides a consistent 0.75% base cashback on all travel-related expenditures. Whether you are booking flights or hotels, you get a small but guaranteed return on your swiped amount.
Other Categories (Movies, Fuel, Lounge Access)
It is important to know what a card does not cover so you can plan your wallet accordingly. The Axis Cashback credit card focuses entirely on shopping and cashback. It does not offer any benefits for movies, fuel surcharge waivers, cab bookings, or bus tickets. If your primary goal is complimentary movie tickets or free lounge meals, you will need a companion card.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You need to make your first transaction on the Axis Cashback credit card within 30 days of card issuance to receive the bonus points.
What is the exact value of the welcome benefit?
You will receive EDGE Reward Points worth Rs. 1,000, which offsets the cost of the joining fee.
Is there a minimum transaction amount required?
Yes, the bank requires a minimum transaction of Rs. 100 within 30 days to activate the card and become eligible for rewards.
When will I receive the welcome benefit?
The EDGE Reward Points are credited to your account within 30 days after your first qualifying transaction is processed.
Do I get a welcome bonus every year?
No, the welcome benefit is a one-time offer provided only when the card is newly issued.
What is the maximum cashback I can earn in a month?
You can earn a maximum of Rs. 4,000 as cashback per statement month. Once you hit this cap, further online spends will not earn additional accelerated cashback for that cycle.
How does the 7% cashback slab work?
You earn 7% cashback only on the online spend amount that exceeds Rs. 40,000 in a single billing cycle. For example, if you spend Rs. 50,000 online, the last Rs. 10,000 earns 7%, giving you Rs. 700 for that portion.
What cashback rate do I get if I spend Rs. 3,000 online?
Because your total online spend is under Rs. 5,000, you will earn a 2% cashback, which equals Rs. 60.
Do I earn cashback on offline retail store purchases?
Yes, offline purchases earn an unlimited base cashback rate of 0.75%. Spending Rs. 10,000 at a local supermarket gives you Rs. 75 back.
Is there any threshold required for cashback credit?
No, there is no minimum threshold. Your earned cashback is automatically credited to your account before the next statement generation.
Do utility bills earn cashback?
Yes, you earn 0.5% cashback on utility bill payments, but this is capped at a maximum of Rs. 100 per month. General utility payments beyond this specific offer fall under standard exclusions.
Do I get cashback on wallet loads?
No, wallet loads are completely excluded from earning any cashback or reward points on this card.
Are rent payments eligible for rewards?
No, rent payments are excluded from the cashback program and also attract a separate 1% processing fee.
Do I earn rewards on insurance premiums?
Insurance payments are strictly excluded and will not earn any cashback or points.
Can I earn cashback on educational or school fee payments?
No, educational spends do not qualify for cashback on the Axis Cashback credit card.
Is there a cap on the base 0.75% offline cashback?
No, the 0.75% base cashback on offline and travel spends is completely unlimited.
What happens to the cashback if I return an item I bought online?
All reversals are excluded from earning rewards. The cashback initially calculated for that transaction will be reversed from your account.
What is the Dining Delights program?
It is an Axis Bank partnership program that offers immediate discounts or complimentary dishes at select partner restaurants across India.
Do I earn cashback on dining in addition to discounts?
Yes, after applying any partner discount, the final bill amount swiped on the card at the restaurant will earn the 0.75% base offline cashback.
How do I find partner restaurants?
You can check the updated list of participating restaurants on the Axis Bank Dining Delights website or mobile application.
Is there a minimum bill amount to get the dining discount?
Discounts apply to a minimum bill value of Rs. 1,500 at most partner restaurants, though specific requirements vary by individual merchant offers within the program.
Does this card offer complimentary airport lounge access?
No, this card does not offer any airport or railway lounge benefits.
Are international flight bookings considered travel spends?
Yes, they are, and they will earn the 0.75% base cashback. However, keep in mind that a 3.5% forex markup fee applies if the transaction is in a foreign currency.
Do I get cashback on railway ticket bookings?
Railway bookings earn the base travel cashback, but they also attract a railway surcharge as prescribed by IRCTC.
Does the card offer travel insurance?
No, this card does not offer any insurance benefits.
Does the Axis Cashback card give movie discounts like Buy 1 Get 1?
No, this card does not offer any movie or entertainment benefits.
Will I get a 1% fuel surcharge waiver with this card?
No, the card does not offer any fuel surcharge waiver benefits, and fuel spends are excluded from earning cashback.
Can I use this card for free railway lounge access?
No, railway lounge access is not provided on this card.
Are there any special offers for cab booking apps like Uber or Ola?
No, this card does not feature any specific cab benefits or partnerships.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and the earned cashback is adjusted directly in your monthly statement
To check redemption catalogue
N/A
If you want a credit card that directly rewards your digital spending habits, the Axis Cashback credit ...
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If you want a credit card that directly rewards your digital spending habits, the Axis Cashback credit ...
If you want a credit card that directly rewards your digital spending habits, the Axis Cashback credit card brings a tiered earning system that can yield up to 7% back on your online purchases. Built for shoppers who prefer a straightforward value return without the hassle of point conversions, this card automatically credits your earned cashback directly to your statement.
What sets the Axis Cashback credit card apart is its unique slab-based earning model. Instead of a flat rate across all online platforms or restricting high rewards to specific co-branded partners, this card rewards you more as your monthly spending increases. Whether you are buying electronics, upgrading your wardrobe, or simply ordering daily groceries online, your cashback percentage scales up automatically. It works great for high-volume online shoppers who want to maximize their returns while paying a standard annual fee.
View FAQ
Commonly Asked Questions
Is the Axis Cashback credit card lifetime free?
No, it comes with a joining and annual fee of Rs. 1,000. However, the annual fee can be waived if you spend Rs. 4 lakh or more in a year.
Who should apply for this card?
This card is perfect for users who spend more than Rs. 5,000 monthly on online shopping and prefer automatic statement credits over managing reward point catalogues.
Is this a good first credit card?
While it offers excellent value, the minimum income requirement of Rs. 6 lakh per annum and a required CRIF score of 750 make it better suited for individuals with some existing credit history rather than absolute beginners.
What makes this different from other cashback cards?
Unlike standard flat-rate cards, this card uses a spend-based slab system where your online cashback rate increases from 2% to 5% and ultimately to 7% as you spend more in a billing cycle.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Axis Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Axis Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
Wallet Loads
EMI Spends
Rent Payment
Insurance Payments
Voucher Purchases
ATM Cash Withdrawals
All Reversals
Interest Charges
Service Charges
Toll Payments
Gambling Transactions
Utility Bill Payments
Government-Related Transactions
Educational Spends
Forex Transactions
For Spends Waiver
Fuel Spends
Wallet Loads
EMI Spends
Rent Payment
Insurance Payments
Voucher Purchases
ATM Cash Withdrawals
All Reversals
Interest Charges
Service Charges
Toll Payments
Gambling Transactions
Utility Bill Payments
Government-Related Transactions
Educational Spends
Forex Transactions
To maximize this card, you must know where not to use it. The Axis Cashback credit card has a strict li...
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To maximize this card, you must know where not to use it. The Axis Cashback credit card has a strict li...
To maximize this card, you must know where not to use it. The Axis Cashback credit card has a strict list of categories that yield absolutely zero cashback. If you use your card for Fuel Spends, Wallet Loads, EMI Spends, or Rent Payments, you earn nothing. Similarly, Insurance Payments, Voucher Purchases, ATM Cash Withdrawals, and Utility Bill Payments (beyond the specific Rs. 100 offer) are excluded.
Other major exclusions include Toll Payments, Gambling Transactions, Government-Related Transactions, Educational Spends, Forex Transactions, Interest Charges, Service Charges, and All Reversals.
Consider the real-world impact. If you pay a Rs. 30,000 annual insurance premium using this card, you might expect the base 0.75% cashback (which is Rs. 225). Because insurance is excluded, you earn Rs. 0. Furthermore, using the card for an excluded category like rent not only earns zero rewards but also incurs a 1% penalty fee. Always use an alternative payment method for these specific categories to avoid lost potential.
View FAQ
Commonly Asked Questions
Will I earn rewards if I buy gold or jewelry?
Jewelry is not explicitly mentioned in the exclusion list provided. Therefore, offline jewelry purchases should earn the base 0.75% cashback.
Do I get cashback when I fill petrol?
No, fuel spends are completely excluded from the cashback program.
Can I load my Paytm or Amazon Pay wallet to earn cashback?
No, wallet loads are an excluded category and will not yield any cashback.
If I convert an online electronics purchase into an EMI, do I get the 5% cashback?
No, EMI spends are explicitly excluded. If you convert a transaction to EMI, you forfeit the cashback on that purchase.
Does paying my child's school fees online earn cashback?
No, educational spends are excluded. Even if paid online, school and college fees will not earn cashback.
Are taxes and government payments eligible?
No, government-related transactions are excluded from the reward structure.
What happens if an online merchant processes a payment through a foreign gateway?
Forex transactions are excluded from earning cashback and will also attract a heavy 3.5% markup fee.
If I buy gift vouchers, do they count as online spends?
No, voucher purchases fall under the exclusion list and will not earn any cashback.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.50% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable) | 2.50% |
Reward Redemption Fees This is a cashback card, and the earned cashback is adjusted directly in your monthly statement | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees 1% of the payment amount is levied for cheque return, cheque dishonour, ECS bounce, ACH bounce, or auto-debit reversal, subject to a minimum of ₹500 | 1% |
cheque Payment Fees No cheque payment fee is charged | Not Applicable |
Cash Payment Fees ₹175 cash payment fee per deposit | ₹175 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0–₹500 | ₹0 |
| ₹501–₹5,000 | ₹500 |
| ₹5,001–₹10,000 | ₹750 |
| Above ₹10,000 | ₹1,200 |
Understanding the complete cost of holding a credit card is just as important as knowing its benefits. ...
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Understanding the complete cost of holding a credit card is just as important as knowing its benefits. ...
Understanding the complete cost of holding a credit card is just as important as knowing its benefits. The Axis Cashback credit card has a standard fee layout for a mid-tier card, but penalties for missed payments or cash usage can add up quickly.
The Joining Fee is a one-time charge of Rs. 1,000 plus GST, levied when the card is issued. However, the bank offsets this by providing EDGE Reward Points worth Rs. 1,000 upon making your first transaction within 30 days. For example, paying Rs. 1,180 (including 18% GST) initially gets neutralized in value once you activate the card.
The Annual or Renewal Fee is Rs. 1,000 plus GST, charged from the second year. The bank waives this fee entirely if you spend Rs. 4 lakh or more in the preceding anniversary year. To hit this, you need to route about Rs. 33,333 through the card every month.
The APR or Interest Rate is applied if you fail to clear your total outstanding balance by the due date. The bank charges a finance fee of 3.75% per month, equating to a massive 45% per annum. If you carry over a balance of Rs. 10,000 into the next month, you will be charged roughly Rs. 375 just in interest, instantly wiping out your cashback gains.
Late Payment Charges apply if you do not even pay the minimum amount due. The fee operates on slabs: Rs. 0 for balances up to Rs. 500; Rs. 500 for balances between Rs. 501 and Rs. 5,000; Rs. 750 for balances from Rs. 5,001 to Rs. 10,000; and Rs. 1,200 for balances above Rs. 10,000. For instance, missing a payment on a Rs. 6,000 bill triggers a flat Rs. 750 penalty.
The Forex Markup Fee is charged on transactions in non-INR currencies. The rate is 3.5% of the transaction amount. If you buy a software subscription online billed at USD 100 (roughly Rs. 8,300), the bank will add a 3.5% fee, meaning you pay an extra Rs. 290 just for currency conversion.
The ATM Cash Withdrawal Fee makes accessing cash via your credit card very expensive. You are charged 2.5% of the withdrawn amount, subject to a minimum of Rs. 500. If you withdraw Rs. 10,000 from an ATM, the fee is Rs. 250, but because of the minimum rule, you are actually charged Rs. 500 upfront.
The Rent Payment Convenience Fee applies when paying rent through platforms like Cred or NoBroker. The bank charges a 1% fee on the transaction amount. If your rent is Rs. 20,000, you pay an extra Rs. 200 to the bank, plus applicable GST, making rent payments counterproductive since they earn zero rewards.
A Railway Surcharge is levied when booking or cancelling tickets on IRCTC or Indian Railways. The exact amount is as prescribed by IRCTC and varies based on the ticket cost and class. This is a direct pass-through charge.
A Cash Payment Fee of Rs. 175 is charged if you choose to pay your monthly credit card bill by physically depositing cash at an Axis Bank branch. To avoid this Rs. 175 charge, simply pay your bill online via net banking or UPI.
There is No Cheque Payment Fee. If you prefer dropping a cheque into an Axis Bank drop box to clear your bill, the bank processes it without any additional charge (N/A).
The Reward Redemption Fee comes into play primarily for partner transfers. While voucher redemptions are free, converting EDGE points to partner miles attracts a fee of Rs. 99 plus GST per transaction. If you transfer 5,000 points, you pay a flat Rs. 99 fee.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 1,000 + GST |
| Annual Fee | Rs. 1,000 + GST (Waived on Rs. 4 Lakh spend) |
| Interest Rate (APR) | 3.75% per month (45% annually) |
| Late Payment Fee | Rs. 0 to Rs. 1,200 depending on balance |
| Forex Markup | 3.5% of transaction value |
| Cash Withdrawal Fee | 2.5% (Minimum Rs. 500) |
| Rent Payment Fee | 1% of transaction amount |
| Cash Payment Fee | Rs. 175 per deposit |
| Reward Redemption Fee | Rs. 99 + GST (for partner transfers) |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The one-time joining fee is Rs. 1,000 plus applicable taxes.
What is the annual or renewal fee?
From the second year, an annual fee of Rs. 1,000 plus GST is levied on the card.
Is there an annual fee waiver based on spending?
Yes, the Rs. 1,000 annual fee is entirely waived if your total card spends cross Rs. 4 lakh in the previous year.
How can I get this card lifetime free?
The bank provides lifetime free options through special invitation or during festive promotional periods based on your credit profile.
What is the interest rate (APR) if I don't pay my full balance?
The card charges a very high interest rate of 3.75% per month, which calculates to 45% annually on unpaid balances.
How is the interest calculated on outstanding balances?
Finance charges are applied daily on the unpaid outstanding amount until the entire balance is fully repaid.
What are the late payment charges?
Late fees range from Rs. 0 to Rs. 1,200, strictly depending on the slab your outstanding balance falls into.
Is the late payment fee different based on outstanding amount?
Yes. A balance up to Rs. 500 attracts zero fee, while a balance above Rs. 10,000 attracts the maximum Rs. 1,200 penalty.
What is the forex markup for international transactions?
Any transaction processed in a foreign currency attracts a flat 3.5% forex markup fee.
Can I withdraw cash using my credit card?
Yes, but it is highly discouraged as you will be charged 2.5% of the amount withdrawn instantly.
What are the cash withdrawal charges and limits?
The fee is 2.5% of the cash advance with a minimum floor limit of Rs. 500, no matter how small the withdrawal.
What happens if I spend more than my credit limit?
Over-limit transactions incur a fee of 2.5% of the over-limit amount, with a minimum charge of Rs. 500.
Are there fees for paying rent with this card?
Yes, a 1% convenience fee is charged on the rent amount every time you process a rental payment.
Is there a fee for paying my bill in cash?
Yes, depositing physical cash at an Axis Bank branch to clear your bill incurs a Rs. 175 cash payment fee.
What are the charges for cheque payment of bills?
There is no fee for paying your credit card bill via cheque.
What happens if my payment cheque bounces?
A cheque return attracts a fee of Rs. 500 plus GST and negatively impacts your credit score.
Are there charges for railway ticket bookings?
Yes, IRCTC or Indian Railways apply their standard prescribed surcharge on booking or cancelling tickets with a credit card.
Is there a fee to redeem my reward points?
While voucher redemptions are free of charge, transferring points to partners costs Rs. 99 plus GST per transaction.
What are the card replacement charges for lost or stolen cards?
Replacing a lost or stolen card costs Rs. 100 plus GST, which is billed in the subsequent statement.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
What identity proof is needed?
Your PAN card is mandatory for application and the Video KYC process.
What address proof is accepted?
Aadhaar card, Passport, Voter ID, or a valid Driving License are standard accepted address proofs.
What income proof do salaried applicants need?
Salaried individuals usually need to provide the latest 2 months' salary slips or a recent bank statement showing salary credits.
What income proof do self-employed applicants need?
Self-employed professionals must provide the latest Income Tax Returns (ITR) computing an income of at least Rs. 7 lakh.
Do I need to submit physical copies of documents?
No, if you opt for the digital process with Video KYC, you simply upload clear photos or PDFs of your documents.
Is an offline application possible?
Yes, you can visit a branch and submit physical photocopies of your documents, though the online process is much faster.
Who Should Get This Card?
The High-Volume Digital Shopper: If you buy electronics, home appliances, or large volumes of apparel online and frequently touch the Rs. 40,000 monthly spend mark, this card's 7% tier makes it one of the most rewarding cards in India.
The "Set It and Forget It" User: If you hate logging into reward portals to convert points to vouchers, the automatic statement credit feature of this card is perfectly suited for your lifestyle.
Who should skip it? The casual shopper. If your online spends rarely cross Rs. 5,000 a month, the 2% base slab is quite poor compared to competitors. Additionally, frequent travelers or movie-goers should look elsewhere, as this card lacks lounge access and entertainment perks completely.
Credit Limit and What to Expect
When your card is approved, the bank assigns a credit limit based on your income level, existing debt, and CRIF score. Since the income requirement is a robust Rs. 6 to 7 lakh, you can generally expect a healthy starting limit, allowing you to easily manage larger online purchases and make the most of the 5% and 7% cashback slabs.
View FAQ
Commonly Asked Questions
How is my credit limit determined?
The bank evaluates your stated income (minimum 6 LPA), your CRIF score of 750+, and your repayment history to assign an appropriate limit.
Will I get a higher limit if my salary is Rs. 1 lakh per month?
A higher income and strong credit score lead to a significantly higher initial credit limit.
Can I request a limit increase later?
Yes, after 6 to 12 months of responsible usage and timely payments, you can apply for a limit enhancement.
What happens if I spend more than my credit limit?
Over-limit transactions incur a fee of 2.5% of the over-limit amount, with a minimum charge of Rs. 500.
Is my cashback limit tied to my credit limit?
No, the monthly cashback cap is strictly fixed at Rs. 4,000, regardless of how high your credit limit is.
How much of my limit can I withdraw as cash?
A specific percentage of your total limit is assigned as a cash advance limit. However, withdrawing cash attracts a hefty 2.5% fee.
How to Apply?
Getting the Axis Cashback credit card is a digital-first process. You can apply directly through the Axis Bank website or via verified financial portals. The steps are simple:
First, fill out the online application form with your personal, professional, and income details. Second, agree to a credit score check. If your profile fits the minimum income and CRIF 750 requirements, you will move to the KYC phase. Third, complete your Video KYC (VKYC) process from your smartphone. Once verified, the bank processes the application and dispatches the card to your registered address.
View FAQ
Commonly Asked Questions
Can I apply for the Axis Cashback credit card online?
Yes, the application is entirely digital and can be completed from your home via the official bank website.
Is Video KYC mandatory?
Yes, Video KYC is a fast and mandatory step for completing your online application without physical paperwork.
What documents do I need during the Video KYC call?
You must keep your original physical PAN card handy and ensure a blank piece of paper and pen are available for a signature capture.
How long does the approval process take?
Once the Video KYC is successful, the bank usually takes 7 to 10 working days to process and approve the application.
Can I track my credit card application?
Yes, you will receive an Application Reference Number which you can use on the bank's tracking portal to check your status.
What if my Video KYC gets disconnected?
You can rejoin the call using the same link provided by the bank, or schedule another session if the link expires.
Do I need an existing Axis Bank account to apply?
No, you do not need an existing relationship or savings account with Axis Bank to apply for this credit card.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹1300 Rewards
Top Benefits
Earn Up To 7% Cashback On Online Spends
tiered across monthly spend brackets, capped at ₹4,000 per statement month
Earn 0.75% Unlimited Cashback On All Offline
and Travel Spends on eligible point-of-sale and travel transactions with no monthly cap
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