How to activate the Axis Bank Cashback Credit Card after receiving it?

You have two ways to activate your Axis Bank Cashback Credit Card: one is through internet banking, and the other is through Axis Bank credit card customer care. You can call them at 1860 419 5555/ 1860 500 5555 and activate your credit card.

Does the Axis Bank Cashback Credit Card offer a fuel surcharge waiver?

No, this card does not provide a fuel surcharge facility to its cardholders.

What will happen to my Axis Bank Credit Card Cashback if I return a purchase?

If you return a product or cancel a service after receiving cashback on your Axis Bank Credit Card, the cashback amount credited for that transaction will be reversed. The bank may either deduct the cashback from your account or adjust it against the refund amount.

Does the Axis Bank Cashback Credit Card have a rent surcharge?

Yes, you can enjoy a 1% surcharge per transaction (including GST) on each rental payment that you make using this credit card.

Does the card offer complimentary airport lounge access?

No, Axis Bank Cashback Credit Card does not offer any complimentary airport lounge access across India.

Axis Bank Cashback Credit Card: Benefits, Charges and How to Apply

Name: Axis Bank Cashback Credit Card: Benefits, Charges and How to Apply
Brand: Credit Card
Rating: 4.7 (13906 reviews)

Unlock a world of exclusive benefits with the Axis Bank Cashback Credit Card. From generous rewards to effortless cashback, this card is designed to elevate your everyday spending.

With this credit card, you can grab all the mentioned rewards and offers. Moreover, you can avail a bonus cashback on utility bill payments, automatic cashback redemption and base cashback on offline travel-related expenses with this card.

In brief, more value with every transaction. Check out this card’s benefits in detail.

Axis Bank Cashback Credit Card Benefits

Axis Bank cashback credit card is known to offer many benefits including 7% cashback on online transactions, welcome reward points worth Rs. 1000, cashback on utility bills and more. Check out the complete list here:

Welcome Benefits

Get 5000 EDGE reward points worth ₹1000.
Enjoy validity on the first card transaction within 30 days from the card issuance date.
Earn auto-credited EDGE reward points.

Cashback Benefits

Avail up to 7% cashback on online transactions.
Earn up to ₹4,000 in one statement month.
Enjoy 2% cashback on spending up to ₹5,000, 5% cashback on spending above ₹5,000 and equal to ₹40,000, and 7% cashback on spending above ₹40,000

Dining Delights

Take part in the Dining Delights Program in 5-star restaurants across India.
Get a 15% instant discount on EazyDiner up to ₹500 every month with the Axis Bank Cashback Credit Card.
The minimum transaction value should be ₹2,500 .

Cashback on Utility Bill Payments

Receive 0.5% cashback up to ₹100 on paying utility bills.

Cashback on Travel Expenses

Enjoy a 0.75% base cashback offer on all travel-related expenses (offline and online).

Spend-based Fee Waiver

Enjoy the annual fee waiver offer by sending ₹4,00,000 or more during a card membership year.

Dream of availing more rewarding lifestyle perks with a card? Apply for the RuPay Select Credit Card from Stable Money and get a 100% fuel surcharge waiver, 100+RuPay brand offers, flight discounts, airport lounge access, salon and spa coupons, and more.

And the best part? Your fixed deposit acts as collateral!

Axis Bank Cashback Credit Card Charges

Particulars	Charges
Joining fee	₹1,000+ GST (applicable on the primary card)
Annual fee	₹1,000+ GST (applicable on the primary card)
Finance charges	3.75% per month(55.55% per annum)
Late payment fee	If the total outstanding amount is: lower than ₹500 = Nil From ₹501 to ₹5,000 = ₹500 From ₹5,001 to ₹10,000 = ₹750 Greater than ₹10,001 = ₹1,000
Cash advance charges	2.5% of the transaction amount (Min ₹500)
Over-limit charges	2.5% of the over-limit amount (Min ₹500)
Foreign currency transaction fee	3.50% of the transaction value (applicable on international transactions without DCC)

How to Apply for Axis Bank Cashback Credit Card Online?

Step 1: Go to the official Axis Bank webpage.
Step 2: Click on ‘Explore Products’ >‘Cards’> ‘ Credit Cards’.
Step 3: Go to the ‘All Cards’ segment.
Step 4: Find ‘Axis Bank Cashback Credit Card’ and click on the ‘Apply Now’ button.
Step 5: Choose the ‘Yes’ option when the screen asks you ‘Are you an existing Axis Bank customer?’
Step 4: The Axis Bank credit card online application form will be open. Enter all necessary details accurately, including mobile number, annual income, date of birth, and PAN.
Step 5: Enter the captcha and hit the ‘Next’ button to proceed.
Step 6: Fill in the other necessary details and submit the form diligently.

Axis Bank Cashback Credit Card Eligibility and Documents Required

Be above 18 years and below 70 years of age.
Be a resident of India.
KYC documents such as proof of identity (photocopies of PAN and Aadhaar card).
Proof of income (latest payslip if you are salaried or the latest IT return file if you are self-employed).
Proof of residence (photocopies of utility bill, driving license or passport).

How Much Can You Save with Axis Bank Cashback Credit Card Annually?

Benefits	Annual Expenses	Savings
Welcome benefit(EDGE reward points)		₹1,000
Yearly spending on online platforms	₹2,40,000	₹10,200
Yearly spending on the fee waiver		₹1,000
Annual purchases on offline platforms	₹1,20,000	₹900
Utility bill payments	₹1,20,000	₹600
Total yearly spends on travel services	₹60,000	₹450
Expenses on several excluded categories	₹30,000
	Total Expenses ₹4,50,000	Total Savings(Yearly)₹14,150

Spend ₹4,50,000 in one year and save up to ₹14,150 by making payments through Axis Bank Cashback Credit Card.

If you still crave for more exclusive privileges such as flight discounts, complimentary domestic and international airport lounge access, insurance coverage, UPI app integration and more, opt for the FD-backed Secured Credit Card by Stable Money.

Simply download the Stable Money app, go to the credit card option and hit the 'Apply' button. You can enjoy lifetime free access with 0.5% cashback!