M16S / Axis Bank / Axis Bank Cashback Credit Card
mid · cashback
Axis Bank Cashback Credit Card
The Axis Bank Cashback Credit Card costs Rs 1,000 a year, waived if you spend Rs 4,00,000 in a year. Its base return is 0.75%. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 1,000+ GST
- Fee waived at
- Rs 4,00,000annual spend
- Base return
- 0.75%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on axis.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 1,000 |
|---|---|
| Annual fee | Rs 1,000 |
| Annual spend that waives the fee | Rs 4,00,000 |
| Fee notes | Joining and annual fee Rs 1,000 + GST. Annual fee waived on Rs 4 lakh spend in an anniversary year (issuer page); MITC: waiver applies to newly acquired cards, not migrated Citi Cash Back customers. |
Rewards
| Welcome benefit | EDGE Reward Points worth Rs 1,000 on first transaction within 30 days of issuance (first year only) |
|---|---|
| Reward currency | Cashback |
| Base earn | 0.75% unlimited base cashback on all offline and travel-related spend |
| Base return | 0.75% |
| Point value | Cashback credited before next statement, no minimum amount |
| Accelerated earn | Online spend, by bracket of monthly net online spend: 2% on the first Rs 5,000; 5% on spend above Rs 5,000 up to Rs 40,000; 7% on spend above Rs 40,000 (e.g. Rs 70,000 = 2% on 5,000 + 5% on 35,000 + 7% on 30,000). Utilities and bill payments 0.5%. |
| Caps | Online cashback up to Rs 4,000 per statement month; utilities cashback up to Rs 100 a month (issuer page) |
| Spends that earn nothingunverified | Fuel |
| Points expiry | Not applicable |
| Reward notes | base_return_pct = 0.75% offline/travel base (issuer page). The online brackets are marginal slabs, which reconciles the aggregator's per-tier caps of Rs 100, Rs 1,750 and Rs 2,150 with the issuer's Rs 4,000 monthly cap. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 3.5% |
| Fuel surcharge waiver | None: issuer page lists the 1% fuel surcharge as 'refund not applicable' |
| Other freebies | Dining Delights restaurant discounts |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Age 18-70; resident of India |
| Fine-print notes | Successor to the Citi Cash Back card. Fees and interest from MITC. Product page read 2026-10-12 confirms fees, waiver, cashback structure, 3.5% forex and 3.75% interest. The page refers to 'excluded categories' and 'non-restricted MCCs' without listing them. Conflicts resolved from issuer page read 2026-10-12: other_freebies: old (aggregator) 'EazyDiner 25% off up to Rs 800 once a month' -> issuer page lists only the Dining Delights programme | reward_caps: aggregator stated the online tiers inconsistently -> issuer page states marginal brackets with a single cap of Rs 4,000 per statement month |
Questions
- What is the annual fee of the Axis Bank Cashback Credit Card?
- Rs 1,000 a year, before GST. It is waived if you spend Rs 4,00,000 in a year.
- Does the Axis Bank Cashback Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the Axis Bank Cashback Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Axis Bank Cashback Credit Card?
- Fuel