Axis Bank Cashback Credit Card

Annual feeJoining feeRenewal fee

₹1,000 + GST₹1000 + GST; waived on spends of ₹4,00,000 and above in an anniversary year

Fee waiver rule

Spend ₹4,00,000 and above in an anniversary year to be eligible for annual fee waiver

Add-on card fee

₹0

Welcome benefit

Welcome Benefit: EDGE Reward Points worth ₹1000*-1,000.

Reward rate

Online spends by monthly net spends: 2% cashback up to ₹5000; 5% for spends > ₹5,000 & <= ₹40,000; 7% on spends > ₹40,000 (up to ₹4,000 per statement month). Unlimited base cashback of 0.75% on all offline & travel related spends; 0.5% cashback up to ₹100 on utilities bill payments

Reward caps

Enjoy up to 7% cashback on online spends. Earn up to ₹4,000 per statement month. Get 0.5% cashback up to ₹100 on utilities bill payments. Bonus Cashback capped at ₹100/month

Dining programme

Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program.

Fuel surcharge waiver

Fuel Transaction Surcharge: 1% of transaction amount (refund not applicable)

Forex markup

3.5% on foreign currency transactions.3.50% of the transaction value

Dynamic currency conversion markup

3.5% + GST3.5% plus taxes on each international transaction performed in Indian currency at international location or with merchants registered in a foreign nation

Cash advance fee

2.5% (Min. ₹500) of the cash amount.

Interest on unpaid balance

3.75% (55.55% annual)

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Nil if total payment due is up to ₹500; ₹500 for ₹501-₹5,000; ₹750 for ₹5,001-₹10,000; ₹1,200 for ₹10,001-₹50,000; ₹1,300 above ₹50,000; additional ₹100 if the Minimum Amount Due is not paid by the due date for two consecutive cycles

Over-limit fee

Over-limit Fees: 2.5% of Over-limit Amount (Min ₹500).

Payment return or dishonour fee

Cheque Return or Dishonour Fee or Auto Debit Reversal: 2% of payment amount; minimum ₹500.

Statement or duplicate statement fee

Duplicate Statement Fee: Waived

Card replacement fee

Replacement fee: Waived

Cash payment / cash deposit fee

Fees for Cash Payment at Branches: ₹175.

Education / school fee charge

Education Transaction Fee: 1% on each Education Payments made via third party apps for all Axis Bank credit cards.

Fee for paying the bill by cheque

Outstation cheque fee: Waived

Fee on online skill-based gaming spends

Online Skill-Based Gaming Transaction Fee: 1% on cumulative spends of ₹10,000 or more on online skill-based gaming platforms i.e. in a statement cycle.

Wallet load charge

Wallet Load Transaction Fee: 1% on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.

What the card's fee or benefit year means

Anniversary Year is the period of 12 months from the date of issuance of the card and every 12-month period thereafter

Fuel transaction fee

1% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.

Rent transaction fee

Rent Transaction fee: 1% of each Rental Transaction Amount for all Axis Bank Credit Cards.

Utility transaction fee

Utility Transaction Fee: 1% on cumulative spends of ₹25,000 or more on utilities per statement cycle.

GST note

GST, as notified by the Government of India, is applicable on all fees, interest and other charges, and is subject to change as per relevant regulations of the Government of India

Grace days after the due date

Grace period of 3 days from the payment due date, where payments are not overdue; the customer must clear dues by the payment due date mentioned in the credit card Statement.

Minimum amount due

Sum of all instalments, all Fees, interest / finance charges, taxes, the amount utilized over the credit limit (if any) and 2% of remaining balance outstanding, subject to a minimum of ₹100

Eligibility

Primary cardholder between 18 and 70 years; resident of India.

Minimum age

Between the age of 18 and 70 years.