Credit Card Compare

Axis Bank Cashback Credit Card

Data last updated 23 October 2026
55.55%
Purchase rate
₹1,000
Annual fee
1,000
Bonus points
Application

CardIQ

38Basic

Basic

Overall score, out of 100 · How this works

  • Cashback78
  • Rewards23
  • Sign-up bonus14

Customer reviews

No reviews yet. Be the first to review the Axis Bank Cashback Credit Card.

Pros & cons

What's good

  • 1,000 bonus points to start, worth around ₹250 at our ₹0.25-per-point valuation.
  • Earns cashback on eligible spending.
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee ₹1,000 + GST; annual fee ₹1,000 + GST from year 1. GST is additional (not included). Waived if annual spends ≥ ₹4,00,000 in an anniversary year.
  • The 55.55% p.a. purchase rate sits in the most expensive quarter of cards (the median is 45% p.a.) if you carry a balance.
  • Earns no rewards points on spending.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
Not specified
Residency
Resident of India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
Undisclosed
Purchases
55.55% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹1,000 p.a.
Annual fee (year 2+)
₹1,000 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300

Repayments

Interest-free period
Not published
Minimum repayment
Not stated on this page

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Cashback

Cashback cap
₹4,000 per month
Ongoing cashback
7% on eligible spend

Up to 7% cashback on online spends (tiered: 2% up to ₹5,000; 5% for ₹5,001–₹40,000; 7% above ₹40,000 monthly net spends). 0.75% unlimited on offline & travel. 0.5% (up to ₹100/month) on utilities bill payments.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Overseas fee3.50%Better than most (14th of 49 cards)
Annual fee₹1,000 a yearMiddle of the market (30th of 49 cards)
Sign-up bonus₹250Among the weakest we track (19th of 22 cards)
Purchase rate55.55%Among the weakest we track (46th of 49 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
Axis Bank