Axis Bank Cashback Credit Card: 5% on Utility Bills

India's Simplest Credit Card with Up to 7% Cashback on Online Shopping

Axis Bank Cashback Credit Card

Experience hassle-free rewards with India's simplest credit card. Earn up to 7% cashback on online shopping, automatic crediting, and no complex redemption process. Perfect for everyday spenders who want straightforward benefits.

7%
Max Cashback
₹1,000
Annual Fee
₹1,000
Welcome Points
Auto
Cashback Credit
AXIS
CASHBACK CARD
SIMPLE REWARDS
**** **** **** 1111
VALID THRU
Card Holder
💰
UP TO 7%
AUTO CREDIT

Cashback Calculator

🛒 Online Shopping Cashback

₹2,000 online spend₹40 cashback (2%)
₹10,000 online spend₹500 cashback (5%)
₹50,000 online spend₹2,150 cashback (7% max)

🏪 Offline & Other Spends

₹10,000 offline spend₹75 cashback (0.75%)
₹5,000 utility bills₹25 cashback (0.5% max)
₹20,000 travel spend₹150 cashback (0.75%)

Note: Cashback is automatically credited to your statement before the next billing cycle. Online cashback: 2% (₹100 cap), 5% (₹1,750 cap), 7% (₹2,150 cap) based on monthly spend. All cashback credited directly - no redemption required!

Welcome Benefits Worth ₹1,000

🎁

5,000 EDGE Reward Points

Value: ₹1,000
1 RP = ₹0.20 value
First Transaction
Within 30 days
No Minimum Spend
Any amount qualifies
Auto Credited
Direct to account

Effectively Free: ₹1,000 welcome value offsets ₹1,000 joining fee completely!

Online Shopping Cashback Tiers

Monthly Online SpendCashback RateMaximum CashbackExample (₹10,000 spend)
₹0 - ₹5,0002%₹100₹100 (2%)
₹5,001 - ₹40,0005%₹1,750₹500 (5%)
₹40,001+7%₹2,150₹700 (7%)

Pro Tip: Spend ₹40,000+ monthly online to earn maximum 7% cashback. Caps apply per statement cycle and reset monthly.

Dining Benefits

EazyDiner Dining Discount

  • Discount rate25% off
  • Maximum discount₹800 per bill
  • Minimum order₹2,500
  • FrequencyOnce per month

Monthly Savings Potential

  • ₹2,500 dinner₹625 discount (25%)
  • ₹3,200 dinner₹800 discount (25% max)
  • Annual potential₹9,600 savings
  • Effective cost₹400/month

Important: Offers cannot be carried over to next month. Use within the validity period.

Annual Fee Waiver

💸

Spend ₹4 Lakhs Annually

₹1,000 Fee Waived
Complete waiver of annual fee
Annual Target
₹4 lakh spend
Monthly Average
₹33,333/month
Automatic Waiver
No manual application

Achievable Target: ₹33,333 monthly spend easily qualifies for fee waiver. Online shopping at 7% cashback makes it even more rewarding!

Citi to Axis Migration

🔄
Seamless Transition
Citi Cashback cardholders automatically migrated

Migration Benefits

  • • Automatic account transition
  • • Same or better rewards
  • • Continued earning eligibility
  • • Enhanced digital services
  • • Axis Bank relationship benefits

What Changes

  • • Card design and branding
  • • Enhanced cashback structure
  • • Additional dining benefits
  • • Improved digital banking
  • • New Axis Bank features

Existing Citi Users: Continue enjoying similar or better cashback benefits with enhanced features and services.

Axis vs SBI Cashback Cards

FeatureAxis CashbackSBI CashbackAdvantage
Max Cashback Rate7%5%Axis
Annual Fee₹1,000₹999Similar
Fee Waiver₹4L spend₹2L spendAxis (easier)
Welcome Benefits₹1,000 valueNo benefitsAxis
Dining Benefits25% up to ₹800LimitedAxis
Cashback CreditingAuto-creditAuto-creditSame

# Axis Bank Cashback Credit Card: 5% on Utility Bills

Get 5% cashback on utility bill payments, 4% on Swiggy, Zomato, and 1.5% on all other spends with the Axis Bank Cashback Credit Card.

Keywords

- Axis Bank Cashback Credit Card

- Cashback on utility bills

- Bill payment credit card

FAQs

- Is Axis Bank Cashback Credit Card: 5% on Utility Bills still good?

Yes — it remains a strong choice if its benefits match your monthly spending (dining, shopping, travel or bill payments). Review joining/annual fees and waiver conditions before applying.

- Who should consider Axis Bank Cashback Credit Card: 5% on Utility Bills?

Ideal for users whose top categories align with the card's strengths (e.g. online shopping, food delivery, travel, or fuel). Beginners should prefer low or lifetime-free annual fees.

- How do I maximise rewards/cashback with Axis Bank Cashback Credit Card: 5% on Utility Bills?

Use the card on its accelerated categories, pay bills on time, and track monthly caps or partner-platform multipliers. Combine with issuer apps/portals where applicable.

Ready for Simple Cashback Rewards?

Join India's easiest credit card with up to 7% cashback and automatic crediting

Apply Now - ₹1,000 Annual Fee →₹1,000 welcome value • 7% online cashback • Auto crediting