Axis Bank Cashback Credit Card Review 2026: 7% Rewards & Fees
Get up to 7% cashback on online spends with the Axis Bank Cashback Credit Card. Check fees, eligibility, and how it compares to SBI Cashback.
The Axis Bank Cashback Credit Card is a powerful tool for high-volume online shoppers, offering a market-leading 7% cashback tier. However, its lack of lounge access and complex reward structure make it a niche product compared to the SBI Cashback card.
Up to 7% cashback on online spends
The Bottom Line
The Axis Bank Cashback Credit Card is a powerful tool for high-volume online shoppers, offering a market-leading 7% cashback tier. However, its lack of lounge access and complex reward structure make it a niche product compared to the SBI Cashback card. With a ₹1,000 annual fee that is waived on ₹4,00,000 yearly spend, it offers 0% rewards on online spends and 5,000 bonus points. For anyone researching axis bank cashback credit card, the verdict is simple: conditional.
It earns a base reward rate of 1% and stacks best when your spending lines up with heavy-online-shopper, cashback-purist. The renewal fee gets easier to justify once you can hit ₹4,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealBest value for those spending over ₹40,000 monthly on online platforms to hit the 7% tier.
Ideal for users who prefer direct statement credit over complex reward point redemption systems.
Probably not for
SkipLacks lounge access and travel-specific perks like air miles or insurance.
Annual fee waiver requires ₹4 Lakhs spend; lower tiers offer only 2% cashback which is matched by free cards.
Is It Worth It For You?
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Reward Rates
Axis Bank Cashback Credit Card offers 1% basic reward rate.
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Welcome Offer
5,000 EDGE Reward Points First transaction within 30 days of card issuance
Milestone Benefits
Annual Fee Waiver
Fees & Charges
Eligibility
- Min Income: ₹6 Lakhs
- Min Credit Score: 750
- Available for salaried and self-employed Indian residents aged 18-70 years.
Exclusions & Terms
Fuel
Rent
Wallet Load
Insurance
Education
Government Services
Jewellery
Tolls
Cash Advances
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Frequently Asked Questions
3 data-backed answers from our card database