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Axis Bank Cashback cashback rate, cap and annual fee

Axis Bank Cashback pays 2% on online and delivery — on the first INR 200,000 you spend on it each month, which is where the INR 4,000 cap stops it. The card costs INR 1,000 a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

Axis Bank · India · catalogue v117

Read from Axis Bank's own published terms on 29 Oct 2026.

INR 1,000Annual fee
2%Best rate

What it pays, by category

SpendingRateMonthly cap
online and delivery2.00%INR 4,000reached at INR 200,000 of spendOnline (card-not-present) spends except travel and excluded MCCs. Axis pays 2% on the first ₹5,000 of net online spend in a statement month, 5% from ₹
travel0.75%—0.75% on travel MCCs, online and offline, with no limit.
everything else0.75%—0.75% on all offline (card-present) spends, with no limit.
utility billsgovernment0.50%INR 100reached at INR 20,000 of spend0.5% on utility MCC 4900 only, INR 100 a statement month shared with cable and internet bills; no base cashback on top.
phone and internet0.50%INR 100reached at INR 20,000 of spendLower reading: cable, pay TV and internet (MCC 4899, 4816) earn only the 0.5% bonus inside the shared INR 100; phone bills (4814) earn the channel rat
governmentNone—Government institutions earn nothing.
fuelNone—Fuel earns no cashback.
educationNone—Educational institutions earn no cashback.
rent and propertyNone—Rent earns no cashback.
Not closed: Axis has a live page and an apply journey for the card again. 2% to 7% online by monthly tier (held at 2%, see the rule), 0.75% offline and on travel, 0.5% bonus on utilities to INR 100. Axis's value chart checks out: INR 20,000 a month online returns INR 10,200 a year. Insurance, jewellery, wallets, gift cards and tolls also earn nothing. INR 1,000 to join and a year, waived on INR 4 lakh (for customers onboarded from 1 Jun 2024). 3.5% foreign transaction fee. The network is not stated on the page; Visa is kept. Source: axis.bank.in Cashback Credit Card page, its terms PDF and the credit card MITC, read 29 Oct 2026.

Questions people ask

What cashback does the Axis Bank Cashback pay?

2% on online and delivery, and 4 other rates. The top rate is capped at INR 4,000 a month.

Is there a cap on the Axis Bank Cashback?

Yes. online and delivery is capped at INR 4,000 a month; utility bills is capped at INR 100 a month; phone and internet is capped at INR 100 a month.

What is the annual fee on the Axis Bank Cashback?

INR 1,000 a year.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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