Axis Bank Cashback Credit Card: Benefits & Charges

If you are someone who frequently shops online with your debit card, you are missing out big on the Axis Bank Cashback Credit Card.

It offers up to 7% cashback on online spends along with other rewards and benefits. Read on to know more about what this card entails.

Cashback Privileges of Axis Bank Cashback Credit Card

• Get an unlimited base cashback of 0.75% on types of offline and travel-related spends. 
• Avail 0.5% cashback on spend of up to ₹100 on utility bill payments.

• Get a 7% cashback on online spends of more than ₹40,000 and earn up to ₹4,000 every statement month.
• Get 2% cashback for online spends of up to ₹5,000.
• Avail 5% cashback for online spending of more than ₹5,000 and up to ₹40,000. 

For instance: If you meet a monthly net spend threshold of ₹70,000, you will get a 2% cashback (which applies on ₹2,000), 5% cashback (which applies on ₹35,000) and a 7% cashback (which applies on ₹30,000).

Other Axis Bank Cashback Credit Card Benefits 

• Get a welcome benefit of EDGE reward points worth ₹1,000. You get this within the first 30 days of issuing your card.
• Get up to ₹1,000 off on dining transactions with the EazyDiner program.

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Fees and Charges of the Axis Bank Cashback Credit Card

• Joining Fee - ₹1,000
• Annual Fee - ₹1,000
• Cash Advance Fee - 2.5% of the transaction amount or a minimum of ₹500
• Over Limit Charge - 2.5% (or minimum ₹500) of the overlimit amount
• Cash Deposit at Branches - ₹175
• Returned Payment Charge - 2% of payment amount (or minimum ₹500)
• Finance Charges - 3.75% per month 

Note: On spending of ₹4,00,000 and above in an anniversary year, you can get an annual fee waiver.

Axis Bank Cashback Credit Card Eligibility Criteria

• Primary cardholders have to be between the ages of 18 and 70 years.
• Applicants should mandatorily be residents of India.

Required Documents to Apply for the Axis Bank Credit Card

• PAN card
• Residence Proof (Electricity bill, Landline telephone bill, Driving license)
• Proof of Income (Latest payslip, IT return, Form 60)

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Process to Apply for the Axis Bank Credit Card

1. First, head over to the official Axis Bank site. Then click on Cards > Credit Cards on their homepage.
2. Now, you will see a vast range of Axis Bank credit cards. Select the ‘Axis Bank Cashback Credit Card’ and select 'Apply Now'.
3. Provide your personal information, such as name, income, phone number, etc.
4. You have to complete an online KYC. Here, you have to upload your PAN, Aadhaar and your photographs.
5. The bank can ask you for additional proof of income.
6. After having completed all of the above steps, Axis Bank will review your application and deliver your credit card within 5-7 working days upon successful verification.

 Axis Bank Cashback Credit Card: Who is it Ideal For?

• People Who Prefer Cashback: The Axis Bank Cashback credit card offers a simple cashback mechanism and is ideal for people who are not particularly fond of reward points. 
• Frequent Online Shoppers: This card rewards cashback of up to 7% on online shopping spends. Hence, if you are an online shopper, this card will give you the maximum value back.

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