Axis Bank Cashback Credit Card

Welcome Benefits

Enjoy EDGE Reward points worth INR 1000 upon first transaction within 30 days of card issuance
For terms and conditions,
click here

Higher Cashback on Online Spends

Enjoy up to 7% cashback on online spends. Spend more to unlock higher cashback
Earn up to INR 4,000 per statement month
Your monthly net spends are split into below brackets:

Earn 2% cashback for spends up to INR 5000,
Earn 5% cashback for spends > INR 5,000 & <= INR 40,000 and
Earn 7% cashback on spends > INR 40,000
Example- For monthly net spends of INR 70,000, 2% cashback will apply on 5,000, 5% cashback on 35,000 and 7% cashback on 30,000

For terms and conditions,
click here

Base Cashback on Offline & Travel Spends

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

Bonus Cashback on Utilities & Bill Payments

Get 0.5% cashback up to INR 100 on utilities bill payments
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Spend Based Waiver

Spend INR 4,00,000 and above in an anniversary year to be eligible for annual fee waiver
For terms and conditions,
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Exclusive discounts on EazyDiner

Avail a 25% instant discount on EazyDiner with Axis Bank Cashback Credit Card once per month per card
Maximum discount is capped at INR 800 per month.
Offer is applicable on a minimum order value of INR 2500

Automatic cashback redemption

Cashback credited before next statement with no minimum amount requirement
For terms and conditions,
click here

Fees & Charges

Financial Charges
Joining Fee	Rs. 1000+ GST for Primary Card. Not applicable on Addon Card
Annual Fee	Rs. 1000+ GST for Primary Card. Not applicable on Addon Card
Cash advance fee	2.5% of Transaction (Minimum Rs. 500)
Late payment charges	Nil if outstanding amount is less than Rs. 500 Rs. 500 if outstanding amount is between Rs. 501 and Rs. 5000 Rs. 750 if outstanding amount is between Rs. 5001 and Rs. 10000 Rs. 1000 if outstanding amount is greater than Rs. 10001 If the Minimum Amount Due (MAD) is not paid, Late Payment Charges (LPC) will be levied per the existing LPC structure. Additional charges of Rs. 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 Rs. 500) of Overlimit amount
Cash Deposit at Branches	Rs. 175
Returned Payment Charge (Cheque / ECS / ACH / SI bounce charge)	2% of payment amount (Minimum Rs. 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

¹International cash withdrawal amount billed post conversion to Rs. via DCC viz dynamic currency conversion (i.e., a service offered at certain international ATMs which allows a Card Member to convert a transaction denominated in a foreign currency to local currency i.e., Indian Rupees at the point of withdrawal/sale) may include any fees / charges levied by the ATM acquiring bank or ATM service provider.

For international transactions in US Dollars, 3.5% mark-up on the Rs. equivalent of the US Dollars, at the conversion rates published by the card networks. For international transactions effected in currencies other than the US Dollar, the transaction would first be converted into US Dollars, at the conversion rates published by the card networks.

Eligibility Criteria for the Axis Bank Cashback Credit Card

Eligibility

Primary Cardholder should be 18-70 years of age

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.

Documents required:

Proof of identity

PAN Card photocopy or Form 60

Proof of income

Latest payslip / Form 16 / IT Return

Residence proof

Driving License / Electricity Bill / Landline Telephone Bill

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

Value Chart

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