Key benefits
- 5% cashback on electricity, gas, mobile and DTH bills paid through Google Pay
- 4% cashback on Swiggy, Zomato and Ola
- 2% cashback on everything else, uncapped
- 4 complimentary domestic lounge visits a year
Fees and charges
| Joining fee | ₹499 + GST |
| Annual fee | ₹499 + GST |
| Fee waiver | Spend ₹2 lakh a year |
| Cashback cap | ₹500 a month on the 5% and 4% categories |
| Interest rate | 3.6% per month (52.86% p.a. effective) |
| Fuel surcharge | 1% waiver, ₹50 to ₹500 per statement |
Eligibility
- Salaried or self-employed aged 18–70
- Net monthly income above ₹25,000
- Credit score above 720
Who it suits
The uncapped 2% base rate on all spending is unusually generous for a ₹499 card.
Watch out for
The headline 5% only applies to utility bills routed through Google Pay.
Fees and reward rates shown are indicative and set entirely by Axis Bank. They change without notice — confirm the current terms on the issuer's own page before you apply.