About Axis Cashback Credit Card
This cashback-focused credit card is designed for users who want better returns on everyday spending, especially through digital platforms. It provides attractive cashback rates that can go up to seven percent, depending on spending patterns. Benefits are spread across multiple categories such as bill payments, travel-related expenses, and routine purchases. However, the card places a strong emphasis on online transactions, making it ideal for individuals who frequently shop on e-commerce websites, apps, and online service portals. The rewards structure is simple and aims to deliver savings rather than complex reward point calculations.
The card follows a spend-linked cashback model, where the total benefits earned depend on monthly usage levels. Higher spending can unlock improved cashback rates, encouraging consistent card usage. Unlike traditional flat-rate cashback cards, this approach offers flexibility and the potential for increased value for regular spenders. It has been positioned as a modern alternative to earlier cashback-focused cards, but with a revised rewards framework. Overall, it suits users looking for straightforward savings, predictable returns, and a strong focus on online shopping and digital payments.
Rewards Program
Cashback Structure
Earn tier-based cashback on online purchases, with total monthly benefits capped at a fixed limit.
Cashback percentage increases as monthly online spending rises.
Online Transaction Cashback
2% cashback on online spends up to ₹5,000 in a billing cycle (maximum cashback ₹100).
5% cashback on online spends from ₹5,001 to ₹40,000 per month (up to ₹1,750).
7% cashback on online spends exceeding ₹40,000 in a month (maximum ₹2,150).
Cashback on Other Categories
0.75% cashback on offline purchases and travel-related expenses with no upper limit.
0.5% cashback on utility payments, capped at ₹100 per month.
Other Features & Benefits
- Activation Offer: Earn a welcome bonus of reward points after completing the first transaction within 30 days from card approval. The accumulated points carry a fixed monetary value and can be redeemed against eligible options.
- Dining Privileges: Enjoy special savings on partner dining platforms with a percentage-based discount, subject to a monthly cap and minimum bill value requirement.
- Annual Fee Reversal: The renewal fee is waived when total card spends cross a specified annual threshold in the preceding membership year.
Axis Bank Cashback Credit Card Reward Points & Cashback Calculator
Axis Cashback: Fees & Charges
Things to Know Before You Apply
This card may be a good fit if:
You prefer cashback calculated on total monthly spending rather than per transaction.
Your online purchases are substantial enough each month to unlock higher cashback slabs.
Your expenses are spread across various platforms instead of being limited to select brands.
You eat out occasionally and want access to dining discounts along with regular cashback benefits.
Steps to Close Axis Bank Cashback Credit Card
Closing your Axis Bank Cashback Credit Card is a straightforward process if you follow the proper steps. Here’s a simple guide to help you complete the cancellation smoothly.
- Evaluate Your Decision:- Start by understanding why you want to close the card. It could be due to fees, high interest rates, or a change in your financial habits. This helps you make a well-informed decision.
- Redeem All Rewards:- Before initiating closure, use any available reward points or cashback. Once the card is closed, these benefits are usually forfeited.
- Pay Off All Dues:- Check your latest statement and ensure there is no outstanding balance. Clear all pending amounts, including EMIs, interest, and other charges.
- Contact Customer Support:- Get in touch with the customer service team of Axis Bank to inform them about your intention to close the credit card.
- Submit Closure Request:- Provide a formal request for cancellation. This may be done through email, an online request, or a written application with your basic card details.
- Request Confirmation:- After submitting your request, ask the bank for a confirmation message or email stating that your credit card account has been closed successfully.
- Destroy the Card:- Once closure is confirmed, cut the card across the chip or magnetic strip to prevent any misuse.
- Check Your Credit Report:- After a few weeks, review your credit report to ensure the card status is updated as “closed” and there are no pending issues.
Important Tips
Do not use the card after placing the closure request
Cancel all auto-debit or subscription services linked to the card
Keep proof of closure for future reference
Axis Bank Cashback Credit Card Helpline Number
If you need help with your Axis Bank Cashback Credit Card, you can contact the customer support team of Axis Bank for assistance with billing, payments, card blocking, and other services.
Customer Care Numbers
📞 1800 209 5577 (Toll-Free)
📞 1800 103 5577 (Toll-Free)
📞 1860 419 5555
📞 1860 500 5555 (Charges may apply as per your telecom provider)
WhatsApp Banking Support
📱 Send “Hi” to 7036165000 on WhatsApp to access quick banking services and get assistance.
SMS Banking (Balance Check)
📩 Send BAL to 56161600 or 9951860002 to check your account balance instantly from your registered mobile number.
Other Support Services
Missed call banking facilities
SMS banking assistance
NRI customer support services
Help with locating nearby bank branches
Complaint registration and grievance handling
Fraud reporting and security assistance
Do Not Call (DNC) related services
Services Available
Credit card billing and transaction queries
Payment and statement assistance
Reporting lost or stolen cards
Credit card closure or cancellation requests
General banking support
Important Note
