Axis Cashback Credit Card Review: Best Cashback Credit Card Launched in India

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Posted By : Ashwani Singh
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Unveiling the Best Cashback Credit Card in India: Axis Bank Cashback Credit Card

Are you ready to maximize your savings and get rewarded for your everyday expenses? Introducing the newly launched Axis Bank Cashback Credit Card, a perfect blend of rewards and benefits that caters to all your spending needs. This card is designed to bring you maximum cashback on various categories, making every purchase more rewarding. Let's dive into the key features of this card and compare it with other top cashback credit cards available in India.

Key Features of Axis Bank Cashback Credit Card

  • Joining and Annual Fees
    • Joining Fee: ₹1,000 + GST
    • Annual Fee: ₹1,000 + GST (waived if annual spends exceed ₹4 lakhs)
  • Welcome Benefit
    • Start your journey with a bang! Earn 5,000 EDGE Reward Points (worth ₹1,000) on your first transaction within 30 days of card issuance.
  • Cashback Structure
    • Base Cashback: 0.75% on offline transactions and travel spends. Enjoy the flexibility of earning cashback wherever you go!
    • Accelerated Cashback:
      • 2% on online spends up to ₹5,000.
      • 5% on online spends between ₹5,001 and ₹40,000.
      • 7% on online spends above ₹40,000.
      • Total monthly cashback capped at ₹4,000. Perfect for your online shopping sprees!
    • Bonus Cashback: 0.5% on utility transactions, capped at ₹100 per statement. Save more on your monthly bills!
  • Additional Benefits
    • EazyDiner Offer: Relish a 25% instant discount up to ₹800 per month on dining through EazyDiner with a minimum transaction value of ₹2,500. Eat out and save more!

Exclusions and Limitations

  • Cashback is not applicable on rent payments, wallet loads, fuel, insurance, government institutions, education, and specific merchant category codes (MCCs).
  • No fuel surcharge waiver.
  • Cashback adjustments for transaction reversals and EMI conversions.
  • Cashback will not be provided during the block period of the card.

Comparison of Axis Bank Cashback Credit Card with Other Top Cashback Credit Cards

Feature / Card Name Axis Bank Cashback Card SBI Cashback Card HSBC Cashback Card
Joining Fee ₹1,000 + GST ₹999 + GST ₹999 + GST
Annual Fee ₹1,000 + GST (waived on ₹4L spend) ₹999 + GST (waived on ₹2L spend) ₹999 + GST (waived on ₹2L spend)
Welcome Benefit 5,000 EDGE Reward Points (₹1,000) N/A ₹1,000 Amazon voucher
Base Cashback 0.75% on offline and travel spends 1% on all spends 1.5% on all spends
Accelerated Cashback Up to 7% on online spends 5% on most online spends 10% on dining, food delivery, grocery
Bonus Cashback 0.5% on utility transactions N/A N/A
Cap on Monthly Cashback ₹4,000 N/A N/A
Fuel Surcharge Waiver No Yes Yes
Lounge Access No No 4 visits/year

Conclusion

The Axis Bank Cashback Credit Card is a fantastic addition to the market, especially for those who love earning cashback on every purchase. With its tiered cashback structure, generous welcome benefits, and exclusive dining discounts, it stands out as a top contender for anyone looking to maximize their savings. While it may lack some perks like lounge access and fuel surcharge waivers offered by other premium cards, its straightforward and lucrative cashback scheme makes it an excellent choice for daily use.

Ready to make every spend more rewarding? Apply for the Axis Bank Cashback Credit Card today and start enjoying the benefits!


How To Get/Claim:


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