Axis Bank Pro

Axis Bank

Axis Bank Pro is a unique utility bill-focused credit card that rewards utility bill payments — a category that virtually every Indian household spends on but few credit cards reward specifically. With 2% cashback on utility bills including electricity, water, gas, mobile postpaid, and broadband/internet bills, capped at ₹500 per month, the card provides meaningful savings on a recurring monthly expense. For an Indian household spending ₹5,000 per month on utility bills (₹2,500 electricity + ₹500 water + ₹1,000 gas + ₹500 mobile + ₹500 internet), the 2% cashback translates to ₹100 per month or ₹1,200 per year. This is entirely passive cashback — you earn it every month simply by paying your regular bills, with no additional spending required. The ₹500 monthly cap on utility cashback means the benefit maxes out at ₹25,000 per month in utility spends — sufficient for virtually all households in India. For those with multiple properties or high-consumption households, this cap ensures consistent maximum value. The ₹500 cashback on the first transaction within 30 days of card delivery effectively covers the annual fee of ₹550, making the first year nearly free. Dining and grocery cashback of 1.5% and 1% respectively on daily spending categories ensures the card delivers value beyond bill payments. The ₹75,000 annual spending threshold for annual fee reversal is approximately ₹6,250 per month — achievable for most working professionals who also use the card for daily expenses. Source: Axis Bank official website, updated May 2026.