The Axis Cashback has a ₹1,000 annual fee (waived on ₹4 lakh annual spend) and charges a 3.5% forex markup.
| Annual fee | ₹1,000 |
|---|---|
| Joining fee | ₹1,000 |
| Annual fee waived | On ₹4 lakh annual spend |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
121 online offers across 73 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Yatra: Upto Rs.7000 off · till 30 Nov
- Paytm: Flat Rs.750 off · till 31 Dec
- AJIO: Flat 20% off · till 31 Dec
- Croma: Upto 20% Add Cashback · till 31 Oct
- MakeMyTrip: Upto 20% off + Extra 5% discount · till 31 Oct
These are Axis Bank's own offers and Mastercard network offers, so they apply to every Axis Bank Mastercard card, not just this one. All Axis Bank offers by category.
More about the Axis Bank Cashback Credit Card
Is the Axis Bank Cashback Credit Card worth it in 2026?
The Axis Bank Cashback Credit Card has a joining fee and annual fee of Rs.1000 each. The annual fee is waived if you spend Rs.4 Lakhs in a year, making it cost-effective for high spenders. If you can meet this threshold, the card offers good value through cashback rewards.
Who should get the Axis Bank Cashback Credit Card?
This card is ideal for frequent shoppers and high spenders who can spend Rs.4 Lakhs annually to waive the Rs.1000 annual fee. It suits users looking for straightforward cashback benefits without complex reward structures.
How to maximise rewards on the Axis Bank Cashback Credit Card?
To maximise rewards, aim to spend at least Rs.4 Lakhs annually to get the annual fee waived. Use the card for all regular purchases to accumulate cashback, ensuring you get the most value from the Rs.1000 joining and annual fees.
What purchases give the best value on the Axis Bank Cashback Credit Card?
The card offers cashback on a wide range of purchases, making everyday spending like groceries, dining, and utility bills the best way to earn rewards. Consistent use across these categories helps you reach the Rs.4 Lakhs spend for fee waiver faster.