Axis Cashback Credit Card 2025
Save up to ₹25,000+ every year with 5% on bills, food delivery, 2% online & lifetime free card!
If you pay electricity, mobile, DTH, broadband bills regularly or order food online, Axis Cashback Credit Card is currently the highest cashback card in India!
You get 5% unlimited cashback on all bill payments via Axis app, 5% cashback on Swiggy/Zomato, 2% cashback on all other online spends, 1.5% offline, ₹1,000 welcome cashback, 1% fuel waiver, 4 domestic lounge visits, and right now available as Lifetime Free (limited period).
Direct cashback to statement — no points, no expiry, no headache!
Why This Is The Best Cashback Card in 2025?
5% unlimited bills • 5% Swiggy/Zomato • 2% online • ₹1000 welcome • LTF offer • 4 lounge visits
Best for: Bill payments, food delivery, online shopping, salaried people
Limited Offer – Lifetime Free + ₹1000 Cashback Instantly
Card At a Glance
₹0 (LTF offer)
₹0 (LTF currently)
5% bills | 5% food | 2% online
₹1000 cashback
1% up to ₹400
4 domestic/year
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹0 (Limited LTF offer) |
| Annual Fee | ₹0 (Lifetime Free current batch) |
| Welcome Benefit | ₹1,000 cashback on ₹10K spend in 45 days |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (max ₹400/month) |
Detailed Reward Rates (2025)
- 5% unlimited cashback on bill payments via Axis app (electricity, mobile, DTH, broadband)
- 5% cashback on Swiggy, Zomato (up to ₹500/month)
- 2% cashback on all other online spends (no cap)
- 1.5% cashback on offline spends
- Direct cashback to statement — no points conversion
Airport Lounge Access
4 complimentary domestic lounge visits per year (1 per quarter)
Insurance & Protection Benefits
- Zero lost card liability
- Purchase protection up to ₹1 Lakh
- Personal accident cover ₹10 Lakh
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% unlimited on bill payments | 3.5% forex markup |
| 5% on Swiggy/Zomato | Lounge only 4 visits/year |
| 2% on all online spends | Cashback capped on food apps |
| Currently Lifetime Free | |
| ₹1000 welcome cashback |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Income: ₹6 Lakh p.a. or ₹50K/month salary
- Credit Score: 750+
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit Axis Bank website → Credit Cards → Cashback Card
- Click Apply Now → Fill mobile & PAN
- Instant approval for many → Video KYC
- Card delivered in 7–10 days
Final Verdict – Should You Get It in 2025?
If you pay bills regularly or order food online, Axis Cashback Card gives you 5% real cashback on bills + food delivery + 2% online and is currently Lifetime Free. Easily the highest cashback card in India right now — grab it before LTF offer ends!
Frequently Asked Questions (FAQs)
Is it really lifetime free?
Yes, current batch has zero joining & annual fee forever.
5% on which bills?
All utility bills via Axis app — electricity, mobile, DTH, broadband.
₹1000 welcome cashback?
Yes, on ₹10,000 spend within 45 days.
Any lounge?
4 domestic lounge visits per year.