Axis Bank Cashback Credit Card

Features & Benefits
Eligibility & Documentation
Fees & Charges
Value Chart
Services

Features & Benefits

Welcome Benefits

Enjoy EDGE Reward points worth ₹1000 upon first transaction within 30 days of card issuance.

Higher Cashback on Online Spends

Enjoy up to 7% cashback on online spends. Spend more to unlock higher cashback
Earn up to ₹4,000 per statement month

Base Cashback on Offline & Travel Spends

Receive unlimited base cashback of 0.75% on all offline & travel related spends

Bonus Cashback on Utilities & Bill Payments

Get 0.5% cashback up to ₹100 on utilities bill payments

Spend Based Waiver

Spend ₹4,00,000 and above in an anniversary year to be eligible for annual fee waiver

Automatic cashback redemption

Cashback credited before next statement with no minimum amount requirement

Eligibility Documentation

Eligibility Criteria for the Axis Bank Cashback Credit Card

Primary cardholders should be between the age of 18 and 70 years.
The individual should be a resident of India.

*The above criteria are only indicative. The bank reserves the right to approve or decline applications for Axis Bank Cashback Credit Card.

PAN Card photocopy or Form 97
Proof of income
Latest payslip / Form 16 / IT return
Residence proof
Driving License / Electricity Bill / Landline Telephone Bill bill

*The above list is only indicative. Documents required may vary on a case to case basis.

Fees & Charges

Financial Charges
Joining Fee	₹1000+ GST
Annual Fee	₹1000+ GST
Add-on Card Joining Fee	NIL
Add-on Card Annual Fee	NIL
Card Replacement Fee	NIL
Finance Charges (Interest)	3.75% (55.55% Annual)
Cash Withdrawal Fee	2.5% (Min. ₹500) of the cash amount
Cash Payment Fee	₹175
Duplicate Statement Fee	Waived
Late Payment Fee	Nil if total payment due is up to ₹500 ₹500 if total payment due is between ₹501 and ₹5,000 ₹750 if total payment due is between ₹5,001 and ₹10,000 ₹1,200 if total payment due is greater than ₹10,000 Additional ₹100 on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be applicable for every payment cycle until the MAD is cleared.
Charge slip Retrieval Fee or Copy Request Fee	Waived
Outstation Cheque Fee	Waived
Cheque return or Dishonour Fee or Auto Debit Reversal or Standing Instruction (SI) or NACH payment failure (Bank A/c out of Funds)	2% of the payment amount subject to Min. ₹500
Surcharge on purchase or cancellation of Railway Tickets	As prescribed by IRCTC / Indian Railways
Fuel Transaction Surcharge	1% of transaction amount (refund not applicable)
Foreign Currency Transaction Fee	3.50% of the transaction value
Dynamic Currency Conversion markup	1.5% plus taxes will be applicable on each international transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation.
Rent Transaction Fee	1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.
Wallet Load Transaction Fee	1% fee will be applicable on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.
Fuel Transaction Fee	1% fee will be applicable on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle
Education Transaction Fee	1% fee per transaction will be applicable on education payments made via third party apps
Utility Transaction Fee	1% fee will be applicable on cumulative spends of ₹25,000 or more on utilities per statement cycle
Online Skill-Based Gaming Transaction Fee	1% fee will be applicable on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle
Mobile Alerts for Transactions	Waived
Hot listing Charges	Waived
Balance Enquiry Charges	Waived

Value Chart

Benefits of Axis Bank Cashback Credit Card	Annual Spends(₹)	Savings (₹)
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