{
  "id": "axis-cashback-credit-card",
  "locale": "en",
  "name": "Axis Cashback Credit Card",
  "bank": "Axis Bank",
  "cardType": "cashback",
  "cardTier": "mid",
  "annualFee": "₹1,000 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "Up to 7.0% Online Cashback (Tiered) · ₹1,000 Welcome Benefit · 0.75% Base",
  "bestFor": "Online shoppers, Swiggy food orders, e-commerce spending & direct statement cashback",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/cashback-credit-card",
  "aiVerdict": {
    "score": 3.7,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.75,
  "affiliateId": "axis-cashback-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — Cashback Credit Card schedule of charges & fees",
    "Axis Bank Online Cashback Matrix — Tiered 2% to 7% cashback program"
  ],
  "feeWaiver": "Waived at ₹4,00,000 annual spend",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Online Spends Cashback",
      "value": "Up to 7.0% Tiered (2%–7%)"
    },
    {
      "key": "Welcome Gift",
      "value": "₹1,000 EDGE Points"
    },
    {
      "key": "Monthly Cap",
      "value": "₹4,000 / month"
    },
    {
      "key": "Swiggy Discount",
      "value": "Flat ₹120 off (2x / month)"
    },
    {
      "key": "Annual Fee",
      "value": "₹1,000 + GST"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹4,00,000 / year"
    }
  ],
  "earnRates": [
    {
      "category": "Online Spends (Tier 3: >₹40,000/mo)",
      "rate": "7.0% Direct Cashback",
      "monthlyCap": "₹4,000 / month",
      "perLakhSpent": "₹7,000 Cashback (Capped at ₹4,000/mo)"
    },
    {
      "category": "Online Spends (Tier 2: ₹5,000–₹40,000/mo)",
      "rate": "5.0% Direct Cashback",
      "monthlyCap": "₹4,000 / month",
      "perLakhSpent": "₹5,000 Cashback"
    },
    {
      "category": "Online Spends (Tier 1: <₹5,000/mo)",
      "rate": "2.0% Direct Cashback",
      "monthlyCap": "₹4,000 / month",
      "perLakhSpent": "₹2,000 Cashback"
    },
    {
      "category": "All Offline POS & General Spends",
      "rate": "0.75% Direct Cashback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹750 Cashback"
    },
    {
      "category": "Fuel, Rent & Wallet Loading",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Online Spends >₹40k",
      "multiplier": "7.0%",
      "rate": "7.0%",
      "monthlyCap": "₹4,000 / month",
      "dailyCap": "—",
      "note": "Top cashback tier on web retail."
    },
    {
      "channel": "Online Spends ₹5k–₹40k",
      "multiplier": "5.0%",
      "rate": "5.0%",
      "monthlyCap": "₹4,000 / month",
      "dailyCap": "—",
      "note": "5.0% on regular shopping."
    },
    {
      "channel": "Swiggy Orders",
      "multiplier": "₹120 Off",
      "rate": "Discounts",
      "monthlyCap": "2 orders / month",
      "dailyCap": "—",
      "note": "Flat ₹120 off on food delivery."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Automatic Monthly Statement Credit",
      "value": "₹1.00 / Cashback Rupee",
      "minPoints": "Nil (Auto-credit)",
      "ceiling": "₹4,000 / month",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments (1% surcharge).",
    "Fuel purchases (1% surcharge on cumulative spends >₹50k/mo).",
    "Wallet reloads & education payments via 3rd party aggregators."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,000 + GST (₹1,000 EDGE Points welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,000 + GST (Waived at ₹4,00,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + 1.5% DCC"
    },
    {
      "item": "Finance Charges",
      "value": "3.75% / month (55.55% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹35,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹5.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}