Axis Bank Cashback Credit Card Review: Features, Benefits, Cashback Rates, Fees & Eligibility
- Anusha Madda
- 9 minutes ago
- 3 min read
When you need an easy-going, hassle-free cashback credit card in India, one of the best-discussed options, at the moment, is the Axis Bank Cashback Credit Card. Having a flat cashback on online purchases, automatic redemption, and a clean online-first focus, this card is particularly appreciated by young professionals, online shoppers, and first-time credit card users.
This is a very detailed blog wherein we shall discuss all that you need to know about the Axis Bank Cashback Credit Card, features, cashback system, benefits, fees, eligibility, advantages and disadvantages, comparison, and who should apply.
What is Axis Bank Cashback Credit Card?
The Axis Bank Cashback Credit Card is a lifetime free online credit card* designed for customers who prefer cashback over complex reward points. This card is easy, as it offers direct cashback added to your bill, unlike traditional cards that require you to redeem the reward.
This card is popularly remembered because it gives a high cashback on internet purchases, particularly on the most popular items such as shopping, food delivery services, utility payments, and travel bookings.
Key Highlights of Axis Bank Cashback Credit Card
Welcome Benefits: The user will get reward points worth INR 1,000 on undertaking the first transaction.
Cashback Rate
User will get 2% cashback for online spends up to INR 5,000.
User will get 5% cashback for online spends between INR 5,000 and INR 40,000.
User will get 7% cashback for online spends above INR 40,000 (max cashback limited to 4,000 in a month).
0.75% cashback on all other spends.
0.5% cashback on utility spends.
Milestone benefits: Annual fee waiver on spending INR 4,00,000 or more in a year.
Axis Bank Cashback Credit Card Fees & Charges
Joining Fee:₹1,000 + GST
Annual Fee:₹1,000 + GST
Cash Advance Fee:2.5% (Min. INR 500) of the cash amount.
Late Payment Fee: Late payment fee: charged depending on the customer’s Total amount due, ranging from Rs. 0 - 1200.
Foreign Currency Transactions Fee:3.5%
To know more details of this card and an unbiased AI score, click here
Axis Bank Cashback Credit Card Pros & Cons
Pros
Cashback of 5 percent on online transactions.
Automatic cashback credit
Easy to understand
Good for online-first users.
Annual fee waiver available
Cons
Cashback cap of ₹4,000 per month
No airport lounge access
Low level of high life benefits.
No longer suitable with intensive offline shoppers.
Tips to Maximize Cashback on Axis Bank Cashback Credit Card
Pay using the card mostly online.
Eliminate unwanted offline expenses.
Track monthly cashback cap.
All bills must be paid on time to avoid interest.
Combine with offers on e-commerce apps
To know offers that are present on your credit card, instead of checking all the websites, check our app where all offers will appear just enetering your card name.
Axis Bank Cashback Credit Card Comparison Table
Below is a quick comparison of the Axis Bank Cashback Credit Card with other popular cashback credit cards in India, so you can clearly understand which card suits your spending pattern best.
Feature | Axis Bank Cashback Credit Card | SBI Cashback Credit Card | Amazon Pay ICICI Credit Card |
Joining Fee | ₹1000 + GST (often waived) | ₹999 + GST | Lifetime Free |
Annual Fee | ₹1000 + GST (waived on ₹4L spend) | ₹999 + GST | Nil |
Online Cashback | 5% (up to ₹500/month) | 5% (up to ₹5,000/month) | 5% (Amazon Prime only) |
Offline Cashback | 1% (up to ₹500/month) | 1% | 1% |
Cashback Credit | Auto statement credit | Auto statement credit | Amazon Pay balance |
Lounge Access | No | No | No |
Best For | Everyday online spends | Heavy online shoppers | Amazon loyal users |
Conclusion
Should we use the Axis Bank Cashback credit card? Axis Bank's cashback credit card is a superior cashback credit card in India that can be used to transact daily online purchases. It might not provide luxury benefits, but it will provide actual savings with minimal effort. This card should be given some consideration in case you are a person who values simplicity, transparency, and guaranteed cashback.
FAQs of Axis Bank Cashback Credit Card
How is cashback credited on the Axis Bank Cashback Credit Card?
Cashback is automatically adjusted in your monthly credit card statement. There is no need to redeem points or cashback manually
Does Axis Bank Cashback Credit Card offer airport lounge access?
No, this card does not provide airport lounge access. It is designed mainly for cashback savings, not travel benefits.
Is the Axis Bank Cashback Credit Card good for beginners or first-time users?
Yes, it is a good option for first-time credit card users who want a simple cashback structure without reward point confusion, provided they can meet the income and credit score requirements.
Comments