SimplifyCards take:A good fit if you want a card built for online spends, retail, and travel, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
2% cashback on online spends up to ₹5,000/mo, 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 online spends, retail, and travel, and you want your rewards as simple, no-tracking cashbackBottom line
It combines accelerated rewards on online spends above ₹40,000/mo and milestone rewards
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 |
|---|---|---|
| Online Spends Up To ₹5,000/Mo | 2% cashback | 4,000 Cashback |
| Online Spends ₹5,000-40,000/Mo | 5% cashback | 4,000 Cashback |
| Online Spends Above ₹40,000/Mo | 7% cashback | 4,000 Cashback |
| Offline Retail And Travel Spends | 0.75% cashback | - |
| Utility Spends | 0.5% cashback | 100 Cashback |
Redemption
Statement balanceupto ₹ 1 per point
Important conditions
1
Fee waiverRenewal fee waived on annual spends of ₹ 4 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- Axis Dining Delights and Wednesday Delight offers may apply as per Axis Bank programme terms
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
- Age: 18 to 70 years
- Minimum Net Monthly Salary: ₹20,000
- Resident of India
Self-employed
- Age: 18 to 70 years
- Minimum Annual Income (ITR): ₹3,50,000
- Resident of India
Exclusions
Spending that does not earn cashback
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Insurance premium payments
- Educational institution payments
- Purchase of gold or jewellery
- Spends at financial institutions (cash advances, repayments, etc.)
- Online skill-based gaming transactions
- EMI transactions
- Gift cards
- Tolls and FASTag
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