Axis Bank Cashback Credit Card offers tiered online cashback (2% on first ₹5,000, 5% on next ₹35,000, 7% above ₹40,000; max ₹4,000/statement), 0.75% unlimited on offline & travel spends, and extra 0.5% on utility bills (capped ₹100/statement). Cashback is auto-credited as statement credit. Best for high online spenders (₹40,000+/statement).
Data completeness: 95% · Last verified: 06 Jul 2026
All fees shown base + 18% GST (India card fees legally attract GST).
No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.
| Category | Type | Rate | Cap | Notes |
|---|---|---|---|---|
| online_spends | cashback | 5% | ₹4,000 / monthly | Tiered online cashback: 2% on first ₹5k, 5% on next ₹35k, 7% above ₹40k; max ₹4,000/statement. Approximated at 5% with ₹4,000 monthly cap. |
| all_spends | cashback | 0.75% | — | 0.75% unlimited cashback on offline & travel spends (base) |
| utilities | cashback | 0.5% | ₹100 / monthly | 0.5% extra cashback on utility bill payments, capped ₹100/statement |
| wallet_load | cashback | 0% | — | No cashback on wallet loads |
| government | cashback | 0% | — | No cashback on government payments |
| insurance | cashback | 0% | — | No cashback on insurance |
| education | cashback | 0% | — | No cashback on education |
| fuel | cashback | 0% | — | No cashback on fuel |
| rent | cashback | 0% | — | No cashback on rent |
These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).
5,000 EDGE Reward Points (worth ₹1,000) on first transaction within 30 days of card issuance
EazyDiner discount
25% off via EazyDiner, min bill ₹2,500
Cap ₹800 / monthly.
Contactless & EMI
Contactless payments, EMI conversion on eligible purchases, fraud protection and card controls
yearly.
Welcome EDGE Reward Points
₹1,0005,000 EDGE Reward Points (worth ₹1,000) on first transaction within 30 days
one time.