Axis Bank Cashback Credit Card
Axis Bank · Visa · Entry card
The uncapped 0.75% base rate on offline spending is genuinely rare: most cashback cards pay nothing or very little on offline transactions.
High online spenders who also want a meaningful uncapped rate on offline and travel spending.
Terms checked 21 Sept 2026
- Annual fee
- ₹1,000 + GST
- Joining fee
- ₹1,000 + GST
- Base reward rate
- 0.8%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.8% |
| Dining & delivery | 0.8% |
| Groceries & essentials | 0.8% |
| Subscriptions & streaming | 0.8% |
| Entertainment & movies | 0.8% |
| Beauty & wellness | 0.8% |
| Travel & hotels | 0.8% |
| Offline store shopping | 0.8% |
| International spending | 0.8% |
| Healthcare & pharmacy | 0.8% |
| Other miscellaneous | 0.8% |
| Bills & utilities | 0.5% |
| Fuel & commute | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
| Education & family | 0% |
| Gold & jewellery | 0% |
Caps and fee waiver
- Reward caps
- Online cashback: ₹4,000/statement cycle · Utility cashback: ₹100/statement cycle
- Annual fee waiver
- At ₹4,00,000 annual spending
- Monthly income requirement
- Approx. ₹30,000/month
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Incremental online cashback
Usage-based valueThe stepped schedule applies to eligible online spend in each statement month; travel and excluded MCCs do not qualify.
Conditions: The stepped schedule applies to eligible online spend in each statement month; travel and excluded MCCs do not qualify.
Utility cashback
Usage-based value0.5% applies to eligible utility bill payments.
Offline and travel cashback
Usage-based value0.75% applies to eligible offline and travel spend and is the conservative fallback when the online route is not proved.
Incremental online cashback: 2% on the first ₹5,000, 5% on the next ₹35,000 and 7% thereafter
Shown without a cash valueOnline cashback is capped at ₹4,000 per statement month
Shown without a cash value0.75% uncapped cashback on eligible offline and travel spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹1,000₹1,000 annual fee before applicable tax.
Joining fee
Cost ₹1,000₹1,000 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹1,000Annual fee may be waived after ₹4,00,000 of eligible annual spending.
Conditions: Reach ₹4,00,000 eligible annual spending
Welcome benefits · 1 item
5,000 welcome EDGE Reward Points
Recorded value ₹1,000Welcome points worth ₹1,000 after the qualifying first transaction.
Conditions: Pay the applicable joining fee · Complete the first eligible transaction within 30 days
Dining · 1 item
Dining Delights discounts at participating restaurants under the current issuer programme
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. The reviewed issuer sources do not publish one universal numeric income threshold.
Other categories (11)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Incremental online cashback: 2% on the first ₹5,000, 5% on the next ₹35,000 and 7% thereafter
- ✓ Online cashback is capped at ₹4,000 per statement month
- ✓ 0.75% uncapped cashback on eligible offline and travel spend
- ✓ 5,000 welcome EDGE points worth ₹1,000 after the qualifying first transaction
What to watch
Online cashback is stepped, not flat: you need to cross ₹40,000 in a single month to hit the top 7% tier, and the whole online bucket caps at ₹4,000/month regardless of tier.
Recorded exclusions
Fuel Commute · Toll · Insurance · Education Family · Gold Jewellery · Government payments · Wallet load · Rent · Gift cards · Emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 21 Sept 2026