Axis Cashback Credit Card
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Axis Cashback Credit Card
2% up to ₹5k, 5% from ₹5k–₹40k, 7% above ₹40k on online spends (capped at ₹4,000/mo); 0.75% offline
₹1,000
Waiver: Annual fee waived on ₹2L/year spend
2% up to ₹5k, 5% from ₹5k–₹40k, 7% above ₹40k on online spends (capped at ₹4,000/mo); 0.75% offline
Cashback
Complimentary access (tier/spend-based)
Intl: Not included
3.5%
Standard markup
Welcome Bonus & Activation Offer
Welcome vouchers on card activation
The Loot Verdict
Executive summary for savvy cardholders
🎯 Ideal For
Users seeking max value in Tiered online shopping, High monthly spends, Flat cashback.
⚡ Value Calculation
Annual Fee: ₹1,000. Easily recovered if annual spends exceed fee waiver benchmarks.
Interactive Net-Value & Cashback Calculator
Tailor your exact spend categories to calculate your true net annual profit and milestone rewards.
+₹7,200/yr
₹600/mo (Points + Milestone Vouchers)
₹0 (Waived)
Spend >= Waiver threshold
₹7,200
🔥 2.0% net return on your spend
⚖️ Pros & Cons
What We Like
- ✓High 7% cashback rate on online spends above ₹40,000
- ✓Tiered structure rewards both light and heavy online spenders
- ✓High ₹4,000 monthly accelerated cashback cap
Things to Keep in Mind
- ✕0.75% lower base cashback on offline spends
- ✕0.5% utility cashback capped at ₹100/statement
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