What is the cashback rate on Axis Cashback Credit Card?

Cardholders earn 2% cashback on eligible online transactions and 1% on eligible offline retail purchases.

How do you waive the annual fee on Axis Cashback?

The annual renewal fee of ₹500 + GST is waived if your annual retail spending in the previous membership year reaches ₹2,00,000 or more.

Does Axis Cashback Credit Card offer complimentary airport lounge visits?

No. The Axis Bank Cashback Credit Card does not provide complimentary airport lounge visits.

How is cashback calculated and credited on Axis Cashback?

Cashback is automatically calculated per monthly statement cycle and adjusted directly against your credit card bill.

Axis Bank Cashback Credit Card Review (2026): Fees, Rewards, Lounge & Eligibility

Researched & Fact-Checked by CardSe Editorial Team · Verified: September 2026 against Bank Schedule of Charges (MITC) · CardSe Score: 4.4 / 5.0

The Axis Bank Cashback Credit Card is a leading cashback credit card issued by Axis Bank on the Visa network. Tailored specifically for consumers looking for a simple, non-complex everyday cashback credit card with consistent 2% online returns. it features a joining fee structure of ₹500. In this comprehensive 2026 review, CardSe evaluates its fee waiver thresholds, category capping rules, airport lounge access qualification, and net reward yields to help you determine if this card earns a permanent spot in your wallet.

Key Benefits & Reward Structure

The reward structure of the Axis Bank Cashback Credit Card is structured around category-specific accelerators and spend thresholds:

Online Spends: Offers 2% reward rate on eligible digital purchases.
Offline Spends: Earns 1% cashback/rewards on eligible brick-and-mortar purchases.

Important Parameters: Alternative generic cashback card for everyday use.

Break-Even & Value Analysis

With an annual fee of ₹500 + GST, spending ₹25,000 per year on eligible online retail categories at 2% cashback yields ₹500, recovering the fee. Spending ₹2 Lakh in a year waives the fee.

Pros & Cons

Pros

2% cashback on eligible online transactions across diverse portals.
1% cashback on eligible offline retail transactions.
Straightforward cashback calculation credited directly to card statement.
Affordable annual fee structure.

Watchouts & Cons

Monthly category caps apply to total cashback accumulation.
Does not offer complimentary airport lounge visits.
High fee waiver spend threshold of ₹2,00,000 compared to competitor cards.

CardSe Verdict

The Axis Bank Cashback Credit Card is a dependable general-purpose card, though users with higher utility or food delivery spends will typically find higher value in the Axis Ace or Airtel Axis cards.

Editorial Independence & Affiliate Disclosure: All recommendations on CardSe are created independently by our research team. We do not accept sponsorship to promote specific cards. We may receive an affiliate commission from card networks or banks if you apply through links on our site, at no cost to you.

Detailed Card Parameters

Joining/Annual Fee	₹500
Welcome Benefit	-
Annual Fee Waiver Spends	₹2 Lakh
Domestic Lounge Visits	-
Spends for Lounge	-
Offline Spends	1%
Online Spends	2%
Notes	Alternative generic cashback card for everyday use.

Frequently Asked Questions

What is the cashback rate on Axis Cashback Credit Card?: Cardholders earn 2% cashback on eligible online transactions and 1% on eligible offline retail purchases.
How do you waive the annual fee on Axis Cashback?: The annual renewal fee of ₹500 + GST is waived if your annual retail spending in the previous membership year reaches ₹2,00,000 or more.
Does Axis Cashback Credit Card offer complimentary airport lounge visits?: No. The Axis Bank Cashback Credit Card does not provide complimentary airport lounge visits.
How is cashback calculated and credited on Axis Cashback?: Cashback is automatically calculated per monthly statement cycle and adjusted directly against your credit card bill.