Card Benefits
Key benefits available with this card.
5% Cashback on Utility via GPay
Earn 5% cashback on electricity, gas, internet bills, and DTH/mobile recharges made strictly via the Google Pay app.
4% Cashback on Food & Rides
Enjoy 4% cashback on popular food delivery apps (Swiggy, Zomato) and ride-hailing services (Ola).
Uncapped 1.5% Base Cashback
Earn an unlimited 1.5% cashback on all other eligible online and offline retail card spends.
Joining Fee Reversal
The ₹499 joining fee is reversed back to your statement if you spend ₹10,000 or more within the first 45 days of card issuance.
Domestic Airport Lounge Access
Get up to 4 complimentary domestic airport lounge visits per year, subject to spending ₹50,000 in the previous 3 calendar months.
1% Fuel Surcharge Waiver
Get a 1% fuel surcharge waiver (up to ₹500 monthly) on fuel purchases between ₹400 and ₹4,000 across all petrol pumps in India.
Welcome / Free Offer
Joining fee reversal upon spending ₹10,000 within the first 45 days of card issuance.
Value up to ₹499
Eligibility: Spend ₹10,000 within 45 days of card issuance.
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| Utility Bills via Google Pay | 5.0000% | 5% cashback on electricity, internet, gas, and recharges via GPay. Combined monthly cap of ₹500 applies to 5% and 4% categories. |
| Swiggy, Zomato & Ola | 4.0000% | 4% cashback on food and rides. Combined monthly cap of ₹500 applies to 5% and 4% categories. |
| All Other Retail Spends | 1.5000% | Unlimited 1.5% cashback on offline and online retail transactions. No upper capping. |
| Rent, Fuel, Wallets, EMI & Educ/Ins | 0.0000% | Transactions on restricted categories do not accrue any cashback as per Axis Bank policy. |
Airport Lounge Access
Domestic Airport Lounge
4 visits per calendar year · Domestic
Complimentary access is granted only if the cardholder has spent ₹50,000 or more in the preceding 3 calendar months.
Fuel Surcharge Waiver
Current Offers & Promotions
Joining Fee Reversal
Active₹499 Reversal
Maximum benefit: 499.00
Joining fee of ₹499 is reversed back to your statement upon spending ₹10,000 within the first 45 days of card setup.
Annual Fee Waiver
Active₹499 Waived
Maximum benefit: 499.00
Annual renewal fee of ₹499 is completely waived upon achieving annual spends of ₹2,00,000 or more in the preceding year.
Eligibility Criteria
21 to 70 yrs
Salaried and Self-employed
₹25,000 / month
₹360,000 / year ITR
736+
New to Credit: Not Allowed
Additional Eligibility Details
Important Eligibility Information
Age: 21 to 70 years (as updated). Salaried Income: ₹25,000/monthly. Self-Employed: ITR > ₹3.6 Lakhs/annum. Credit Score: 736+. New-to-credit applicants are not allowed.
Income: Salaried: ₹25,000 per month. Self-employed: Annual ITR > ₹3,60,000.
Employment: Salaried and Self-employed Indian residents.
Credit Score: Minimum credit score of 736+ required.
Documents Needed
Fees & Charges
₹499
₹499 + GST
Pros
• Uncapped 1.5% base cashback on offline and online retail spends
• Massive 5% cashback on utility bills via Google Pay
• 4% cashback on Swiggy, Zomato, and Ola
• Easy joining fee reversal on ₹10,000 spend within 45 days
• Direct statement credit—no redemption hassles or fees
Cons
• Total monthly cashback across 5% and 4% categories is heavily capped at just ₹500
• 5% utility cashback is restricted strictly to the Google Pay app
• Domestic lounge access requires ₹50,000 spend in the prior 3 months
• Not available for New-to-Credit profiles