{
  "id": "axis-cashback-credit-card",
  "locale": "hi",
  "name": "Axis Cashback Credit Card",
  "bank": "Axis Bank",
  "cardType": "cashback",
  "cardTier": "mid",
  "annualFee": "₹1,000 + GST",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "ऑनलाइन खरीद पर 7.0% तक कैशबैक · ₹1,000 स्वागत उपहार · 0.75% बेस",
  "bestFor": "ऑनलाइन खरीदार, स्विगी फूड ऑर्डर्स, ई-कॉमर्स खर्च और सीधे स्टेटमेंट कैशबैक",
  "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": "₹4,00,000 वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "ऑनलाइन कैशबैक",
      "value": "7.0% तक टियर अनुसार (2%–7%)"
    },
    {
      "key": "स्वागत उपहार",
      "value": "₹1,000 EDGE पॉइंट्स"
    },
    {
      "key": "मासिक सीमा",
      "value": "₹4,000 प्रति माह"
    },
    {
      "key": "Swiggy डिस्काउंट",
      "value": "फ्लैट ₹120 छूट (2 बार / माह)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹1,000 + GST"
    },
    {
      "key": "शुल्क माफी लक्ष्य",
      "value": "₹4,00,000 / वर्ष"
    }
  ],
  "earnRates": [
    {
      "category": "ऑनलाइन खर्च (टियर 3: >₹40,000/माह)",
      "rate": "7.0% सीधा कैशबैक",
      "monthlyCap": "₹4,000 / माह",
      "perLakhSpent": "₹7,000 कैशबैक (अधिकतम ₹4,000/माह)"
    },
    {
      "category": "ऑनलाइन खर्च (टियर 2: ₹5,000–₹40,000/माह)",
      "rate": "5.0% सीधा कैशबैक",
      "monthlyCap": "₹4,000 / माह",
      "perLakhSpent": "₹5,000 कैशबैक"
    },
    {
      "category": "ऑनलाइन खर्च (टियर 1: <₹5,000/माह)",
      "rate": "2.0% सीधा कैशबैक",
      "monthlyCap": "₹4,000 / माह",
      "perLakhSpent": "₹2,000 कैशबैक"
    },
    {
      "category": "अन्य सभी ऑफलाइन POS व सामान्य खर्च",
      "rate": "0.75% सीधा कैशबैक",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "₹750 कैशबैक"
    },
    {
      "category": "ईंधन, किराया व वॉलेट लोड",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "ऑनलाइन खर्च >₹40k",
      "multiplier": "7.0%",
      "rate": "7.0%",
      "monthlyCap": "₹4,000 / माह",
      "dailyCap": "—",
      "note": "वेब शॉपिंग पर अधिकतम 7% कैशबैक।"
    },
    {
      "channel": "ऑनलाइन खर्च ₹5k–₹40k",
      "multiplier": "5.0%",
      "rate": "5.0%",
      "monthlyCap": "₹4,000 / माह",
      "dailyCap": "—",
      "note": "नियमित ऑनलाइन खरीद पर 5.0%।"
    },
    {
      "channel": "Swiggy फूड ऑर्डर्स",
      "multiplier": "₹120 Off",
      "rate": "Discounts",
      "monthlyCap": "2 ऑर्डर्स / माह",
      "dailyCap": "—",
      "note": "फूड डिलीवरी पर फ्लैट ₹120 छूट।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "स्वचालित मासिक स्टेटमेंट क्रेडिट",
      "value": "₹1.00 / Cashback Rupee",
      "minPoints": "शून्य (Auto-credit)",
      "ceiling": "₹4,000 / माह",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "किराया भुगतान (1% सरचार्ज)।",
    "पेट्रोल पंप खरीद (मासिक ₹50k से अधिक पर 1% सरचार्ज)।",
    "वॉलेट लोड और थर्ड-पार्टी एजुकेशन भुगतान।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹1,000 + GST (₹1,000 EDGE पॉइंट्स स्वागत उपहार)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹1,000 + GST (₹4,00,000 खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + 1.5% DCC"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.75% प्रति माह (55.55% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹35,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹5.0 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}