Axis Bank ACE Credit Card
Best for flat cashback on all spends plus bill payments via GPay. 5% on utility bills and recharges via Google Pay; 4% on Zomato, Swiggy, Ola; 1.5% uncapped on other spends
Terms as of 2026-09-21 · Checked 28 September 2026Axis Bank ACE Credit Card at a glance
Who it suits: Flat cashback on all spends plus bill payments via GPay
Rewards & cashback
| Details | |
|---|---|
| How you earn | 5% on utility bills and recharges via Google Pay; 4% on Zomato, Swiggy, Ola; 1.5% uncapped on other spends |
| Caps & exclusions | 5% + 4% combined cap Rs 500/month. No cashback on fuel, EMI, wallet, rent, jewellery, insurance, education, fees |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹1,800 | ₹1,211 |
| ₹3,00,000 / year | ₹4,500 | ₹4,500 |
| ₹6,00,000 / year | ₹9,000 | ₹9,000 |
| ₹12,00,000 / year | ₹18,000 | ₹18,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | 4 domestic visits/yr on Rs 50,000 spend in prior 3 months |
| Fuel surcharge | 1% waiver, max Rs 500/month |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹499 + GST |
| Annual / renewal fee | ₹499 + GST |
| Fee waiver | Annual fee waived on Rs 2 lakh annual spend |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Age 18-70; resident salaried/self-employed |
| Age | 18-70 (card-specific) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Kiwi YES Bank RuPay Credit Card (Klick) | YES Bank | Free / Free | 1.50% base value | UPI spends on credit |
| HSBC Live+ | HSBC India | ₹999 / ₹999 | 1.50% base value | Dining & grocery cashback |
| Amazon Pay ICICI Bank | ICICI Bank | Free / Free | 1.00% base value | Amazon Prime shoppers wanting a free, no-cap cashback card |
| HSBC RuPay Cashback | HSBC India | ₹499 / ₹499 | 1.00% base value | UPI + dining cashback; 0% forex promo till 31 Dec 2026 |
| Standard Chartered Smart | Standard Chartered | — / ₹499 | 1.00% base value | Online shoppers wanting simple cashback; 0.99%/month 3-month EMI |
| Swiggy HDFC Bank | HDFC Bank | ₹500 / ₹500 | 1.00% base value | Heavy Swiggy/food-delivery users (note: HDFC also lists newer Swiggy … |
Frequently asked questions
What is the annual fee of the Axis Bank ACE Credit Card?
Joining fee ₹499 and annual fee ₹499 (plus 18% GST). Annual fee waived on Rs 2 lakh annual spend.
What rewards does it offer?
5% on utility bills and recharges via Google Pay; 4% on Zomato, Swiggy, Ola; 1.5% uncapped on other spends Caps/exclusions: 5% + 4% combined cap Rs 500/month. No cashback on fuel, EMI, wallet, rent, jewellery, insurance, education, fees
Does it give airport lounge access?
4 domestic visits/yr on Rs 50,000 spend in prior 3 months
Who is eligible?
Age 18-70; resident salaried/self-employed. A CIBIL score of 750+ improves approval chances.
Is the Axis Bank ACE Credit Card good for me?
Best for: Flat cashback on all spends plus bill payments via GPay. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-09-21. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Axis Bank’s website before applying. FinancePortal is not affiliated with the issuer.