Apply for Cashback Credit Card in India

Financial Charges
Joining fee	₹1000+ GST for Primary Card. Not applicable on Addon Card
Annual Fee	₹1000+ GST for Primary Card. Not applicable on Addon Card
Cash advance fee	2.5% of Transaction (Minimum ₹500)
Late payment charges	Nil if Total Payment Due is less than ₹500 ₹500 if total payment due is between ₹501 - ₹5,000 ₹750 if total payment due is between ₹5,001 - ₹10,000 ₹1200 if total payment due is greater than ₹10,001 If the Minimum Amount Due (MAD) is not paid, Late Payment Charges (LPC) will be levied per the existing LPC structure. Additional charges of ₹100 will be levied only if the MAD payment is not made prior to the Payment Due Date (PDD) for two consecutive billing periods.
Over limit charge	2.5% (Minimum ₹500) of Overlimit amount
Cash Deposit at Branches	₹175
Returned Payment Charge (Cheque / ECS / ACH / SI bounce charge)	2% of payment amount (Minimum ₹500)
Railway ticket booking surcharge Fuel Surcharge	As prescribed by IRCTC / Indian Railways
Fuel Surcharge waiver	Fuel surcharge waiver facility is not applicable. Hence fuel surcharge levied by merchant will not be reversed
Statement Request (beyond 3 months)	NIL
Reissue of lost, stolen or damaged card	NIL
Foreign currency transactions	3.50% of Transaction value on International Non DCC Transactions
Finance Charges - Interest	3.75% (55.55% annual)
Rent Surcharge	1% per transaction plus taxes will be applicable on each rental transaction done on Axis Bank Credit Cards. GST will be applicable as notified by Government of India.
DCC Markup	1.5% plus taxes will be applicable on Axis Bank Credit Cards for each International transaction performed in Indian currency at International location or transactions performed in Indian currency with merchants located in Indian but registered in foreign nation. 1&2


Welcome Benefit: EDGE Reward Points worth INR 1000*	-	1,000
Annual Spends at Online Channels**	2,40,000	10,200
Annual Spends at Offline Channels	1,20,000	900
Annual Spends on Travel and related services	60,000	450
Utilities- Bill Payments (10 k per month)***	1,20,000	600
Spends in excluded categories	30,000	-
Annual Spends fee waiver (spends > INR 4 Lacs)		1,000
Total Annual Savings^^	Total spends -4,50,000	Total Annual Savings^^ - 14,150