An annual earning scenario is available below. Redemption conditions and benefits outside that scenario still need confirmation.
Cashback Credit Card
Review Cashback Credit Card fees, features, annual savings, missed-payment cost and alternatives using your own spending. The calculation shows both the rewards you may gain and repayment costs that can erase those gains.
Calculation coverage & fees
Complete card facts
Calculation coverage
Annual earning evidence & conditions
Annual scenario review · 2026-09-16
Annual earning model available
Online tiers reset each statement. Travel and offline dining earn 0.75%; confirmed online food uses online tiers. Utility MCCs earn 0.5% capped at INR 100. Welcome points are excluded.
The annual calculator uses repeated eligible domestic spending and standard renewal fees. It shows the documented cash route, a clearly labelled reference estimate, or points with your selected redemption quote. Vistara projections stop at the programme closure date. This review does not certify every benefit, offer or account condition.
See this card’s annual resultRedemption evidence & open checks
Research coverage
What has been checked for this card?
We keep issuer research separate from the calculator so an unresolved cap, exclusion or redemption route can never become an invented rupee saving.
Features & benefits
What this card can offer
These features come from the issuer information used for this card's automatic calculation profile. Check the calculation notes for restrictions and unresolved rules. Reward value may be limited to vouchers or travel rather than cash.
2% to 7% tiered online cashback
Eligible monthly online spend earns 2% up to ₹5,000, 5% on the next ₹35,000 and 7% above ₹40,000.
₹4,000 monthly online cap
Total online cashback is capped at ₹4,000 per statement month.
0.75% on offline and travel
Eligible offline purchases and travel transactions earn unlimited 0.75% cashback.
₹4 lakh fee waiver
The ₹1,000 annual fee is waived after ₹4 lakh of eligible anniversary-year spending.
Your money
See savings, fees and the cost of paying late
Annual value comparison
Use your real monthly spending. The same inputs are compared across available monetary models; profiles with unresolved rules are withheld.
Compare this card with all 87Card overview
What Cashback Credit Card is designed to offer
Cashback Credit Card appears in the Accurate Paisa directory under Cashback. This classification helps compare cards designed for similar spending, but your real return depends on eligible merchants, caps, exclusions, redemption and whether you pay an annual fee.
Cashback
Direct cashback is easiest to value, but eligible merchants, monthly caps and exclusions decide the amount you actually keep.
Transparent rules
How Accurate Paisa calculates its value
Your monthly spending is annualised, then the recorded reward rates, caps and milestone rules are applied. Eligible fee waivers are checked before the annual fee and GST are subtracted. The outcome is a rupee estimate and effective return, not a promise of earnings.
- ✓The online tiers assume a consistent monthly pattern and eligible non-restricted merchant codes.
- ✓The annual telephone estimate assumes online payments coded MCC 4814 and shares the online shopping tiers and ₹4,000 statement cap. Offline telephone payments earn 0.75%; use the personal purchase form to select the actual channel.
- ✓Utilities coded 4816, 4899 or 4900 earn 0.5% up to ₹100 per month; telephone MCC 4814 is not in this utility bucket. Fuel and UPI are not assigned cashback.
- ✓Annual category totals cannot establish transaction-level rounding or refunds. Welcome points and partner discounts are not included in recurring annual value.
Do not spend more just to reach a reward or fee waiver. Credit-card finance charges can be several times larger than ordinary reward rates, so paying the full statement balance by the due date is the most important assumption behind a positive card-value estimate.
Questions & answers
Frequently asked questions
What type of card is Cashback Credit Card? +
It is listed by Axis Bank under Cashback. Approval and the application route remain subject to the issuer's current rules.
How is the annual value of Cashback Credit Card calculated? +
Where a supported estimate is available, Accurate Paisa applies the recorded reward conversion, caps, fees and assumptions to your annual spending. Redemption restrictions can reduce the value you realise.
How is net card value calculated? +
Net annual value equals usable rewards plus eligible milestone value, minus the annual fee with GST and modelled transaction and redemption charges.
What happens if I miss a payment? +
Interest may apply to the unpaid balance, a late fee and GST may be charged, and the interest-free period can be lost. Use the estimator below with your statement figures.
Does the highest saving always mean the best card? +
No. Approval, acceptance, support, redemption, foreign-exchange charges and your ability to repay the full statement balance also matter.
Cardholder voice
Value, support and owner experience
No moderated cardholder rating is published yet. Accurate Paisa keeps its mathematical value score separate until enough real reviews are available.
Sign in with WhatsApp to reviewCompare the actual EMI quote, including any initial-interest bill, processing fee, GST and full-payment rewards you would give up.
Compare EMI with full payment →