Axis Bank Cashback Credit Card: Features & Apply

Summary

Made for individuals who wish to save money when they spend, the innovative and easy Axis Bank Cashback Credit Card is one of India’s best reward credit cards as it provides instant return on every transaction.

Among the top features are the 5% cashback on online shopping, which goes to hot websites like Amazon, Flipkart, Myntra, etc. For everything else you spend – whether it is purchasing things offline, eating out, paying bills, or booking tickets – you get 1% cashback. The cashback is automatically credited to your card account monthly, so no tracking or redeeming points by yourself.

The Credit card also includes a waiver of fuel surcharge, easy EMI conversion on spends of ₹2,500 and above, and contactless payment insurance. It suits heavy users, online shoppers, salaried employees, and first-time credit card users.

Annual and membership fee is ₹500, which is respectable. Even more admirable is the fact that if you incur bills of ₹2 lakh or above a year, your annual fee gets waived, thus essentially leaving you to use it for free when you have intense usage.

Introduction

In today’s busy world, credit cards are an essential part of our life. From eating out and shopping to booking tickets for movies and paying bills, credit cards make everything easy and convenient. Out of the various credit cards in India, Axis Bank Cashback Credit Card is gaining a lot of attention. Why? Because it offers hassle-free, no-fuss cashback on every spend — something everyone wants.

Axis Bank Cashback Credit Card is designed for individuals who have to reduce expenditures daily. As the name indicates, the biggest benefit of this card lies in the cashback you get on your spending. You don’t need to worry about accumulating points and exchanging them — just spend and receive cashback directly into your credit card account.

One of the most interesting features of this card is that it offers you a cashback of 5% on purchases that you make online. That is, if you’re a heavy consumer from Amazon, Flipkart, or any other online shopping platform, this card will save you thousands of rupees in the long run. Apart from that, you also get 1% cashback on all other transactions, so you are saving no matter where you swipe your card. You don’t have to worry about tracking too many rules. The cashback is credited to your card automatically every month, which is very easy to keep track of.

In the following sections, we have discussed all the features, benefits, fees, charges, and step-by-step process to apply for Axis Bank Cashback Credit Card. So, if you want to get a new credit card which can give you maximum savings, read further to find out if this card is for you or not.

What is the Axis Bank Cashback Credit Card?

The Axis Bank Cashback Credit Card is special, and it offers rewards in terms of cash back on every single purchase you make. This means, when you shop offline or online by using the card, you get some part of the money you spend returned to you. For instance, when you purchase an item online, you will earn 5% cash back, and 1% cash back on other purchases.

This cashback is credited to your credit card account, so saving money is easy without going out of your way. The card is easy to use and ideal for individuals who wish to save money while spending on everyday necessities such as shopping, dining, traveling, etc.

How is the design of the Axis Bank Cashback Credit Card?

The Axis Bank Cashback Credit Card is minimalist, modern, and sophisticated in its design. It comes in a glossy black finish with a silky texture that gives it a premium look. On the front of the card is the Axis Bank logo and the words “Cashback” printed boldly, which highlights its main benefit.

The card is designed to be minimalist, so the card looks neat and not too crowded with information. The card is also contactless-enabled, so you only have to tap the card on the machine in order to make simple and quick payments. Overall, the card looks intelligent and professional, and you’ll be delighted to have it in your wallet.

What are the benefits of the Axis Bank Cashback Credit Card?

Here are some of the most important benefits made clear in plain English:

1. 5% Cashback for Online Purchases

• Using this card entitles you to five percent cashback on online transactions.

• Applicable on well-known websites, including Amazon, Flipkart, Myntra, etc.

• Perfect for those who shop very consistently online.

2. 1% Cashback across All Other Spending

• On all other purchases— eating out, shopping offline, ticket purchases—you get 1% cashback.

• There are no points to redeem; cashback is fast and easy.

3. Automated Creditback for Cashback

• Every month, the automated credit card account receives credit for cashback gained.

• No manual tracking or claiming required.

4. Fuel Surcharge Waiver

• You are exempted from a 1% fuel surcharge on fuel transactions between ₹400 to ₹4,000.

• Saves you money when you fill up.

5. Convert Purchases to EMI

• You can pay for big purchases (above ₹2,500) in convenient monthly EMIs.

• Assists you in budgeting with ease.

6. Secure and Safe Transactions

• The card comes with contactless payments for faster checkouts.

• Comes with strong security features to protect your transactions.

7. Reasonable Fees

• Membership and annual fee are ₹500, which is extremely low.

• Should you spend ₹2 lakhs or more annually, the annual fee is waived.

8. Run with the Axis Mobile App.

• Your card will be readily managed via the Axis Bank mobile app.

• Access bills, cashback, transactions, and more anywhere, anytime.

What are the fees for the Axis Bank Cashback Credit Card?

Here is a simple breakup of the Axis Bank Cashback Credit Card fees.

Joining Fee	₹1,000 + GST
Annual Fee	₹1,000 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.6% per month (52.86% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an Axis Bank Cashback Credit Card?

The following are the primary requirements:

1. To apply for the Axis Bank Cashback Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakh usually does the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for Axis Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.

5. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.

6. A salaried person must be employed with a reputable company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.

What documents are required to get an Axis Bank Cashback Credit Card?

The documents that you will have to submit to get an Axis Bank Cashback Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Axis Bank Cashback Credit Card be used?

Here is the list of places where you can use it:

• With the Axis Bank Cashback Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Axis Bank Cashback Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Axis Bank Cashback Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Axis Bank Cashback Credit Card?

The credit amount you can spend is what you are provided with an Axis Bank Cashback Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an Axis Bank Cashback Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the Axis Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Axis Bank; for instance, you can choose the Axis Bank Cashback Credit Card.

• Just hover your cursor on the Axis Bank Cashback Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest Axis Bank branch to apply for the Axis Bank Cashback Credit Card.

• Request for the credit card application form of the Axis Bank Cashback Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Axis Bank Cashback Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Axis Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an Axis Bank Cashback Credit Card in 2025 be right?

Yes, getting an Axis Bank Cashback Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

The Axis Bank Cashback Credit Card is one of the best for people who want to earn money while they are spending. Nowadays, when all of us shop online, pay bills online, and purchase things with cards at shops, it is a huge benefit to have a credit card that gives cashback on almost every transaction. This card is designed specifically for folks who love simplicity and intelligent saving. You do not need to worry about keeping track of or redeeming reward points. Rather, the cashback comes back to you in a straightforward cash, making this card extremely simple to use and understand.

The 5% cashback from online purchases is a bonus. Whether you’re purchasing clothes, groceries, electronics, or even movie tickets online, you save money every time. Even on offline retail transactions, you get 1% cashback, so a swipe of the card saves you something. A good choice for heavy users and beginners alike, who need a no-hassle, reward-giving credit card.

Apart from cashback, the card also has other helpful features such as a fuel surcharge waiver, a convenient EMI option, and safe contactless payments. The card also has a low joining and annual fee, which can be waived if you spend a minimum amount in a year. That means if you use the card wisely, you can even get all the benefits free of cost.

Frequently Asked Questions (FAQ’s)