If you’re looking for a transparent, rewarding cashback credit card for online and everyday spends, the Axis Bank Cashback Credit Card is a standout. With tiered cashback up to 7%, utility bill perks, and activation rewards, it’s built for savvy spenders.
At a Glance: Key Features & Benefits
| Feature | Details |
|---|---|
| Joining Fee | ₹1,000 + GST |
| Annual Fee | ₹1,000 + GST (waived if spends ≥ ₹4,00,000/year) |
| Welcome Benefit | EDGE Reward Points worth ₹1,000 on first transaction within 30 days |
| Online Cashback | 2% on spends up to ₹5,000 (max ₹100), 5% on spends ₹5,001–₹40,000 (max ₹1,750), 7% on spends above ₹40,000 Total monthly cap: ₹4,000 |
| Offline & Travel Cashback | Flat 0.75% (no cap) |
| Utility Bill Cashback | 0.5% capped at ₹100/month |
| Cashback Redemption | Auto-credited as statement credit before next billing cycle |
| Eligibility | Indian resident, age 18–70, subject to income and verification |
| Additional Perks | MV chip security, insurance benefits, and offers on dining, lifestyle, and travel |
| Add-on Cards | Free lifetime |
According to official Axis Bank documentation, the following transactions are excluded from earning cashback:
- Transportation & Tolls
- Insurance
- Educational Institutions
- Government Institutions
- Jewellery, Precious Metals and Watches
- Wallet loads
- Rent payments
- Fuel transactions
Why Choose the Axis Bank Cashback Credit Card?
Generous Tiered Cashback: Up to 7% on online spends, making it ideal for high-volume e-commerce buyers.
Reliable Returns on Everyday Spending: Earn 0.75% on all travel/offline spend and 0.5% on utilities.
Auto-crediting ensures cashback reflects seamlessly in billing.
Fast fee payback: Welcome reward and utility cashback largely recoup the card’s joining cost in months.
Transparent terms: Defined caps and tiers make it easy to track value.
How Much Can You Save with Axis Bank Cashback?
Let’s take the case of Rohan, a young professional who spends about ₹60,000 online and ₹20,000 offline every month.
Here’s how his cashback adds up:
Online Spend (₹60,000/month)
- ₹5,000 at 2% = ₹100
- Next ₹35,000 at 5% = ₹1,750
- Remaining ₹20,000 at 7% = ₹1,400
Total Online Cashback = ₹3,250
Offline Spend (₹20,000/month)
0.75% flat cashback = ₹150
Utilities (say ₹5,000/month)
0.5% cashback, capped = ₹25
Monthly Cashback = ₹3,250 + ₹150 + ₹25 = ₹3,425
That’s over ₹41,000 saved in a year — more than 40 times the card’s annual fee.
This shows how the Axis Bank Cashback Credit Card pays for itself many times over if you’re a frequent online shopper.
Apply via PickMyWork & Earn as Referrals
You can directly apply online via the Axis Bank website.
Or with PickMyWork, it’s easy to apply—or earn by helping others apply for the Axis Bank Cashback Credit Card:
- Download the PickMyWork app
- Register as an agent (no onboarding fee)
- Share the card with your network
- Earn every time someone you refer gets the card approved
Perfect for students, freelancers, and gig workers looking for flexible income.
The Axis Bank Cashback Credit Card should be on your radar if you:
- Shock through high e-commerce spend
- Want cashback across everyday categories like utilities and travel
- Prefer low-maintenance, auto-credit rewards
- Value clear benefits that often neutralize the card’s fees quickly
With PickMyWork, not only can you enjoy these benefits—but you can also earn by helping others discover them.
Ready to apply or start earning? Download the PickMyWork app now!
FAQs – Axis Bank Cashback Credit Card
1. How is online cashback structured?
Tiered as follows, within a ₹4,000 monthly cap:
– 2% on up to ₹5,000 (₹100 max)
– 5% on the next ₹35,000 (₹1,750 max)
– 7% on spends above ₹40,000
2. What cashback do I get on offline & travel spends?
0.75%, with no cap
3. Does the card reward utility payments?
Yes — 0.5% cashback up to ₹100 monthly on categorized utility transactions
4. How fast is cashback applied?
Cashback is automatically credited before the next statement period
5. Can I waive the annual fee?
Yes, if your annual spend is ₹4,00,000 or more, the ₹1,000 fee is waived
6. Who can apply?
Indian residents aged 18–70 years, subject to income verification
7. Why is cashback capped at ₹4,000/month?
To prevent misuse and align benefits with genuine spend levels, Axis Bank sets the ₹4,000 cap across tiers
8. What are the other Credit Cards options for me?
Check out all the credit cards here – Choose your credit card & fill your digital credit card application right away
