HDFC Bank
Swiggy HDFC Bank Credit Cards (BLCK & ORNGE)
Up to 10% back on Swiggy Food, Instamart & Dineout
Annual fee₹1,000 + GST
Forex3.5%
LoungeNone
Axis Bank
Axis Bank Cashback Credit Card
Tiered online cashback up to 7%
Joining fee₹1,000 + GST
Annual fee₹1,000 + GST
NetworkVisa
Forex markup3.5%
LoungeNone
Best forCashback
Details checked October 2026
01Rewards
| Online spends (monthly slabs) | 2% up to ₹5,000 · 5% up to ₹40,000 · 7% above — capped at ₹4,000/month |
| Offline & travel | 0.75% uncapped |
| Utility bills | 0.5%, capped at ₹100/statement |
Redemption: Automatic statement credit.
02Fees, benefits & charges
- Fee waiver
- Renewal waived on ₹4 lakh annual spend
- Welcome benefit
- 5,000 EDGE Reward Points (~₹1,000) on first transaction within 30 days
- Airport lounges
- No lounge access
- Forex markup
- 3.5%
- Fuel
- No fuel surcharge waiver
- No rewards on
- Rent, wallet loads, fuel, gold & jewellery, government, insurance, EMI, education, tolls
03Highlights & watch-outs
Highlights
- Rewards heavy online spenders with up to 7%
- High ₹4,000 monthly cap
Watch out for
- Axis has paused showing this card to many new applicants — availability varies
- Low offline earn
- High ₹4 lakh waiver
Suits: People spending ₹40,000+ a month online.
04FAQs
What is the annual fee of the Axis Bank Cashback Credit Card?
The annual fee is ₹1,000 + GST, and the joining fee is ₹1,000 + GST. Renewal waived on ₹4 lakh annual spend
Does the Axis Bank Cashback Credit Card offer airport lounge access?
No lounge access
What is the forex markup on the Axis Bank Cashback Credit Card?
The foreign currency markup is 3.5%.
Which spends don’t earn rewards on the Axis Bank Cashback Credit Card?
Rent, wallet loads, fuel, gold & jewellery, government, insurance, EMI, education, tolls.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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