Axis Bank Cashback Credit Card
Axis Bank · Mastercard
Why this card?
- 5% cashback on online shopping, up to ₹4,000 a month; 0.75% on other spends
- ₹1,000 joining and annual fee; renewal fee waived on ₹4 lakh yearly spend
Card details
- Issuer
- Axis Bank
- Network
- Mastercard
- Annual Fee
- ₹1,000
- Joining Fee
- ₹1,000
- Reward Type
- cashback
- Best Reward Rate
- 5% on online shopping (capped at ₹4000/month)
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹25,000
- Rates verified
- 2026-10-06
Our verdict
The Citi Cashback card moved to Axis Bank when Citi's India card portfolio migrated, and it is now the Axis Bank Cashback Credit Card. It pays 0.75% on offline and travel spends and 2%, 5% or 7% on online spends depending on the monthly tier (total cashback capped at ₹4,000 a month); the ₹1,000 fee is waived at ₹4 lakh spend. Best kept if already held; new applicants should compare other cashback cards.
Pros
- Online spends earn 2%, 5% or 7% by monthly spend tier, up to ₹4,000 cashback a month
- 0.75% unlimited cashback on offline and travel spends
- Now serviced by Axis Bank
- Well-known legacy product with established user base
Cons
- 0.75% base cashback — low for offline spends
- ₹1,000 annual fee, waived only at ₹4 lakh annual spend
- No lounge access
- New applicants should compare with other cashback cards before applying