Axis Bank · Entry
Axis Bank Cashback
Where it ranks across all 187 cards
#10 Electronics
3.5%
direct
#13 Groceries
3.5%
direct
#15 Movies & events
3.5%
direct
#16 Online shopping
3.5%
direct
#17 Food delivery
3.5%
direct
#18 Fashion
3.5%
direct
#77 Gaming
0.8%
direct
#85 Mobile / broadband
0.8%
direct
#91 Train tickets
0.8%
direct
#103 Other
0.8%
direct
#104 Health & pharmacy
0.8%
direct
#110 Hotels
0.8%
direct
#111 Flights
0.8%
direct
#123 Dining out
0.8%
direct
#65 Utility bills
0.5%
direct
28 Aug 2026
From 28 Aug 2026: the markup when you pay abroad in rupees rises to 3.5%, late fees rise, and gift cards no longer earn. Travel bookings earn only 0.75%, even online.
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Reward rules3 direct
Base rate - everything not covered below
0.75%base rate
0.75% cashback
source
Source: Axis Cashback MITC - axisbank.com - read 20 Aug 2026
Online cashback, tiered 2% / 5% / 7% by monthly spend
3.50%this rule
7% cashback · tiered: up to ₹5,000: 2% · up to ₹40,000: 5% · above: 7%
how it works & source
Slabs on net monthly online spend: 2% to ₹5k (max ₹100), 5% to ₹40k (max ₹1,750), 7% above (max ₹2,150); total cap ₹4,000/statement month. Travel MCCs earn 0.75% base even online. T&C update announced effective 28 Aug 2026 - re-verify.
Source: Axis Bank Cashback Credit Card T&C (PDF) - axis.bank.in - read 22 Aug 2026
0.5% on utilities
0.50%this rule
0.5% cashback
how it works & source
Utility MCCs 4816/4899/4900, capped ₹100 per statement.
Source: Axis Bank Cashback Credit Card T&C (PDF) - axis.bank.in - read 22 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on10 exclusions
Gift, card, novelty and souvenir shops
earns nothing
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
Axis excludes by spend category; 5947 is the closest MCC mapping.
MCCs: 5947
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 27 Aug 2026
Wallet load
earns nothing
Wallet loads excluded.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: Axis Cashback MITC - axisbank.com - read 20 Aug 2026
Cabs & transit
earns nothing
Transportation & tolls (incl.
→ use FIRST Private here (6.6%)
detail & source
cabs, MCC 4121) earn NO cashback under any category.
categories: Cabs & transit · MCCs: 4111, 4121, 4131, 4784
Source: Axis Bank Cashback Credit Card T&C (PDF) - axis.bank.in - read 22 Aug 2026
Insurance
earns nothing
Insurance MCCs excluded from cashback.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 6300, 6381, 5960, 6012, 6051
Source: Axis Bank Cashback Credit Card T&C (PDF) - axis.bank.in - read 22 Aug 2026
Education
earns nothing
Educational-institution MCCs excluded from cashback.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8211, 8241, 8244, 8249, 8299
Source: Axis Bank Cashback Credit Card T&C (PDF) - axis.bank.in - read 22 Aug 2026
Jewellery & watches
earns nothing
Jewellery, precious metals and watches excluded from cashback.
→ use HDFC Infinia Metal here (3.3%)
detail & source
categories: Jewellery & watches · MCCs: 5944, 5094
Source: Axis Bank Cashback Credit Card T&C (PDF) - axis.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government-institution MCCs excluded from cashback.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9211, 9222, 9311, 9399, 9402, 9405, 8220
Source: Axis Bank Cashback Credit Card T&C (PDF) - axis.bank.in - read 22 Aug 2026