Cashback Credit Card
Rs 1,000Annual fee
Rs 4,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Cashback, Online Spends, Retail, Travel, Utility Bills
Top rewards
Online Spends Up To ₹5,000/Mo: 2% cashback; Online Spends ₹5,000-40,000/Mo: 5% cashback; Online Spends Above ₹40,000/Mo: 7% cashback
CheQ Credit Card
Rs 499Annual fee
Rs 3,00,000Fee waiver spend
0Domestic lounge
3.49%Forex markup
Best for
Cashback, Cheq, Travel, UPI, Utility Bills, Amazon
Top rewards
Select Brands On CheQ (Amazon, Flipkart, Zomato, BigBasket, Apple Via Unicorn): 24 CheQ Points per ₹200 spent; CheQ Travel Bookings And Utility Bill Payments On CheQ App: 24 CheQ Points per ₹200 spent; Other Eligible Shopping, Dining, Food Delivery, And Online Grocery Spends: 10 CheQ Points per ₹200 spent
| Feature | Cashback Credit Card | CheQ Credit Card |
|---|---|---|
| Issuer | Axis Bank | AU Small Finance Bank |
| Network | Visa | Visa, RuPay |
| Joining fee | Rs 1,000 | Rs 499 |
| Annual fee | Rs 1,000 | Rs 499 |
| Fee waiver spend | Rs 4,00,000 | Rs 3,00,000 |
| Reward type | Cashback | Cashback And CheQ Points |
| Best for | Cashback, Online Spends, Retail, Travel, Utility Bills | Cashback, Cheq, Travel, UPI, Utility Bills, Amazon |
| Top reward categories | Online Spends Up To ₹5,000/Mo: 2% cashback; Online Spends ₹5,000-40,000/Mo: 5% cashback; Online Spends Above ₹40,000/Mo: 7% cashback | Select Brands On CheQ (Amazon, Flipkart, Zomato, BigBasket, Apple Via Unicorn): 24 CheQ Points per ₹200 spent; CheQ Travel Bookings And Utility Bill Payments On CheQ App: 24 CheQ Points per ₹200 spent; Other Eligible Shopping, Dining, Food Delivery, And Online Grocery Spends: 10 CheQ Points per ₹200 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.49% |
| Milestone benefits | Annual fee waived on spends of ₹4 lakh or more in a card anniversary year | Not Listed |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Educational institution payments, Purchase of gold or jewellery | Fuel purchases, Education spends, Gold purchases, Gambling transactions, Insurance payments, Utility payments made outside the CheQ app |