SimplifyCards take:A good fit if you want a card built for utility bills, food delivery, and ola, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
5% cashback on utility bill payments and recharges on google pay, auto-credited with no points to manage
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for utility bills, food delivery, and ola, and you want your rewards as simple, no-tracking cashbackBottom line
It combines complimentary airport lounge access and accelerated rewards on utility bill payments and recharges on google pay
Estimate your Cashback
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback rates
| Category | Rate | Monthly cap |
|---|---|---|
| Utility Bill Payments And Recharges On Google Pay | 5% cashback | 500 Cashback |
| Swiggy, Zomato, And Ola | 4% cashback | 500 Cashback |
| Other Eligible Spends | 1.5% cashback | - |
Redemption
Statement balanceupto ₹ 1 per point
Important conditions
1
Domestic lounge4 visits per year
- Complimentary domestic lounge access is subject to a spend threshold of ₹50,000 in the previous three calendar months (effective 1st May 2024). Spend criteria is waived for the month of card issuance and the next three months
2
Fee waiverRenewal fee waived on annual spends of ₹ 2 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹500 per billing cycle
- Dining Delights discounts of up to 15% at partner restaurants via EazyDiner
Additional details
- Cashback is directly credited to your statement in the next billing cycle
- The 5% and 4% cashback categories have a combined monthly capping of ₹500
Latest Updates
Recent changes to this card
Axis Bank revised DCC markup and gift card rewards28 Aug 2026
- Effective 28 August 2026, Axis Bank has increased the Dynamic Currency Conversion (DCC) markup to 3.5% for most Axis credit cards
- Additionally, gift card purchases are excluded from earning reward points/cashback and no longer count towards spend-based fee waivers or milestone benefits
- Tolls and FASTag spends will also cease earning rewards
Eligibility
Check this before you apply
Salaried
- Primary cardholder should be between 18 and 70 years and resident of India
Self-employed
- Primary cardholder should be between 18 and 70 years and resident of India
Exclusions
Spending that does not earn cashback
- fuel spends
- rental payments
- wallet loading transactions
- insurance premium payments
- educational services
- government services
- gold or jewellery purchases
- cash advances
- EMI transactions (including post-facto conversions)
- balance transfers
- payment of outstanding balances
- card fees and other bank charges
- online skill-based gaming
- Gift cards
- Tolls and FASTag
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