Best Axis Bank Cashback Credit Card 2026

Axis Bank Cashback Credit Card Fees and Charges

Before you opt for an Axis Bank Cashback Credit Card, it’s wise to know the primary costs that could come with it. These fees are standard for most retail Axis Bank Cashback Credit Cards, although some premium cards may have different pricing tiers. All amounts are before GST.

Key Benefits of Axis Bank Cashback Credit Cards

Opting for an Axis Bank Cashback Credit Card means you get more than just a way to make purchases. You also have access to a variety of services to help manage everyday payments and larger expenses. Here are some essential features of the Axis Bank Cashback Credit Card:

• You can get up to 7% cash back on online purchases. The more you spend online (in a month), the higher the rate, making online shopping more rewarding.
• Regular spending, whether offline or on travel, still earns you 0.75% cashback. Even if you shop or travel in physical stores, you get something in return.
• For utility bills and monthly recurring payments, you receive 0.5% cash back (up to a monthly cap).
• You get a welcome bonus. The first transaction within 30 days awards you points with a set value.
• Cashback is credited automatically to your card statement; no need to manually redeem points or go through complicated reward-redemption processes.
• If you spend enough over the year (above a certain threshold), the annual fee gets waived. If you use the card regularly, you may avoid that fee and still earn cash back.
• The card works well as a go-to everyday card for online shopping, bill payments, travel, and regular spending. It comes in handy if most of your spending is frequent and spread across categories, rather than one-off, large purchases.

Axis BanCashback Credit Card Eligibility Criteria

Before applying for an Axis Bank Cashback Credit Card, it is helpful to understand the key criteria the bank uses to assess card eligibility. The table below presents the essential eligibility requirements:

Documents Required for Axis Bank Cashback Credit Card Application

When applying for the Axis Bank Cashback Credit Card, the bank first looks at your basic details. You will need to provide several standard documents for this. Having them on hand will help make the Axis Bank Cashback Credit Card application process smoother and quicker:

• Identity proof: This can be your PAN card, Aadhaar card, Passport, Driving Licence, Voter ID, or any other officially accepted ID document.
• Address proof: You can share your Aadhaar, Passport, Driving Licence, or a recent utility bill (electricity, water, or phone) dated within the last 3 months.
• Income proof: Salaried applicants provide recent salary slips and, in some cases, bank statements showing salary credits. Self-employed applicants may be asked for their latest Income Tax Returns, Form 16, business financials, or supporting bank statements.
• PAN card or Form 60: A valid PAN card is required because it links your financial and tax records. If you do not have a PAN, the bank may request that you complete and submit Form 60 as part of the verification process.
• Photographs: Recent passport-size photos are required to complete the physical KYC file or application, especially if onboarding is not fully digital.

How to Block / Unblock Axis Bank Cashback Credit Card

There must be times when you need to pause your Axis Bank Cashback Credit Card for safety, or resume it when everything is back to normal. Here’s a simple way to handle it:

How to Block Your Axis Bank Cashback Credit Card

• Through Axis Mobile App: Open the app, go to the Cards section, select your credit card, choose Manage Card, tap Block Card, and confirm the request.
• Through Axis Internet Banking: Log in, go to Accounts or Cards, pick your credit card, select Report Lost/Stolen or Block Card, and submit the request.
• By calling Axis Customer Care: Call 1860-419-5555 or 1860-500-5555 from your registered mobile number. Tell the executive that your card has been lost, stolen, or compromised, and request immediate blocking.
• Via SMS (if you cannot access the app or the internet): Send BLOCKCC to 56161600 from your registered mobile. You’ll receive a confirmation once the card is blocked.
• Through Axis Emergency Helpline (for international or emergency cases): If you are abroad or unable to use your registered number, call the Axis international helpline listed on the official website and request a block.
• By Visiting Any Axis Bank Branch: walk in, verify your identity, and ask the staff to block the card on the spot.

How to Unblock Your Axis Bank Cashback Credit Card

• Through Axis Mobile App: Open the app, select your credit card, go to Manage Usage or Card Control, and toggle the block/unblock option if the block was temporary.
• Through Axis Internet Banking: Log in, select your credit card, open Manage Card, and enable the required features (domestic or international usage) if you had disabled them earlier.
• By calling Axis Customer Care: Call 1860-419-5555 or 1860-500-5555 and ask the executive to check whether your card can be unblocked. They can re-enable it only if the block was temporary.

How to Choose the Right Axis Bank Cashback Credit Card?

Finding the correct Axis Bank Cashback Credit Card becomes easier when you assess your spending habits and what you want from the card. As Axis Bank Cashback offers numerous options, the best selection depends on your monthly card usage. Here are a few simple suggestions to help you choose:

Check Your Spending Habit First

Start by reviewing where most of your money goes each month. The Axis Bank Cashback Credit Card is designed for people who often make online purchases, order food delivery, travel, shop for groceries, and use other digital payments. If a large portion of your spending occurs online, this card will provide the most value because the higher cashback tiers apply there.

1.   See Whether You Qualify for the Card.

Before deciding, check the basic eligibility. Axis Bank requires you to meet the age range, income requirement, and KYC norms. Make sure your documents and PAN details are in place.

2.   Compare the Cashback Rates With Your Monthly Usage.

Please review the cashback structure carefully. The card offers higher cashback on online purchases and a lower cashback rate on offline purchases. If your lifestyle aligns with these categories, you’ll earn more back each month.

3.   Evaluate the Fees and Charges.

The joining and annual fees are ₹1,000 + GST and can be waived if your yearly spend exceeds ₹4,00,000. It’s essential to verify whether your expected usage meets this threshold. Also, monitor finance charges, late fees, and foreign exchange markups.

4.   Check the Cashback Credit Process.

The cashback on this card is auto-credited to your monthly statement. This helps if you prefer a simple, no-effort rewards system that doesn’t require tracking points or manual redemption.

5.   Understand the Card’s Limitations.

Every card has a few restrictions, so it’s good to be aware of them. Certain transactions, such as rent payments, fuel purchases, and cash advances, do not earn cash back on this card.

Tips to Maximise Axis Bank Cashback Credit Card Rewards

An Axis Bank Cashback Credit Card can provide you with good value if you are careful about your spending. Rewards increase faster when you use the card wisely and manage your payments smartly. Here are some simple tips to maximise your Axis Bank Cashback Credit Card rewards:

1.   Use the Card Mainly for Online Spending.

This card gives its highest cashback on online purchases. If you regularly shop on e-commerce platforms, order food, book travel, or pay for digital services, try routing those payments through this card.

2.   Prioritise Categories That Earn Cashback.

Payments such as rent, fuel, cash withdrawals, or wallet loads don’t earn cash back. If you keep your spending within eligible categories (shopping, dining, grocery orders, travel bookings, bill payments, and entertainment apps), your monthly reward amount increases automatically.

3.   Spread Out Your Online Purchases Across the Month.

Instead of doing all your online shopping at once, split your spending throughout the month. This helps you stay within the cashback-earning limits and ensures that monthly caps do not go unused on qualifying transactions.

4.   Use the Card for Everyday Digital Payments.

You can increase your monthly cashback simply by using the card for routine digital expenses, groceries, food delivery, OTT renewals, cabs, recharges, and online utilities.

5.   Keep an Eye on Offers in the Axis Bank App.

Axis often rolls out extra discounts or partner offers inside the mobile app. Checking these offers before making a purchase helps you save more on top of your regular cashback.

Steps to Apply Online Through Urban Money

Applying for an Axis Bank Cashback Card through Urban Money is well-suited and straightforward for first-time users. The process is quick, and you can complete it in a few minutes with basic information. Here is how you can do it step by step:

1. Visit the Urban Money website and go to the credit cards section.
2. Select the Axis Bank Cashback Credit Cards you want from the list of available options.
3. Click on the Axis Bank Cashback Credit Card option shown on the page.
4. Fill in your name, contact number, income details and city.
5. An expert will contact you for further assistance.