Axis Bank ACE Credit Card
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Cashback
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1st Year Fee: ₹499* Plus Applicable Taxes
Utility Bills
Up to 5% savings on bill payments & recharges
Cashback
Uncapped base cashback rate of 1.5%
Lounge Access
Up to 4 free domestic lounge visits per year
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About Axis Bank ACE Credit Card
Axis Bank Ace is a low annual fee cashback credit card that offers up to 5% value-back on the card spends. One of the highlights among its features is the accelerated cashback rate of 5% on utility bill payments and recharges. Despite being a major part of the monthly expenses for most, most cards do not offer any substantial savings on utility bill payments, but Axis ACE not only includes this category in its cashback program but also gives accelerated cashback on these spends. Apart from this, cardholders also get incremental cashback on popular food-related apps, like Zomato and Swiggy, along with Ola.
Cashback Benefits
This Axis bank credit card offers value-back in the form of cashback, as given below:
- 5% Cashback: On Google Pay1 on bill payments for electricity, gas, internet, etc. and recharges for DTH and mobile
- 4% Cashback: On Zomato, Swiggy and Ola
- 1.5% Cashback: On all other card spends
- Capping: Cashback earnings on 5% and 4% categories come with a combined capping of Rs. 500 per month
- Exclusions: Categories like fuel, utility spends made on any platform other than Google Pay, EMI transactions, rent, wallet loading, cash advances, purchases converted to EMI post facto, jewellery, insurance, education, outstanding balances, card fees and charges do not accrue any cashback.
Other Features and Benefits
In addition to the cashback benefits, Axis Ace credit card also offers the following benefits to its users:
- Lounge Access: Up to 4 complimentary domestic airport lounge access per year on spending minimum Rs. 50,000 during the previous 3 months
Suggested Read: Best Lounge Access Credit Cards
- Fee Waiver: Annual card fee waived off on reaching annual spends worth Rs. 2 lakh
- Dining Offer: Up to 15% off on dining bills at partner restaurants via EazyDiner
- Fuel Surcharge Waiver: 1% fuel surcharge waiver of up to Rs. 500 per month on fuel spends worth Rs. 400 to Rs. 4,000
Also Read: Best Credit Cards 2025
Axis Bank ACE Credit Card: Fees and Charges
| Particulars | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 499 + applicable taxes (Nil when applied via Paisabazaar) | ||||||||||
| Annual Fee | Rs. 499 + applicable taxes | ||||||||||
| Finance Charges | 3.75% per month (55.55% per annum) | ||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get This Card If
You are looking for a credit card that offers direct cashback on your spends, instead of reward points
You frequently order food online via Swiggy and Zomato and often use Ola app for your regular commute
You want accelerated cashback on utility bill payments and recharges
Eligibility Criteria
Age: 18 to 70 years
Residence: Indian resident
Occupation: Salaried or Self-employed
Paisabazaar Review
What do we like about this card?
Axis Ace credit card is a good choice for those who want to get high value-back at a low annual fee. While most cards offer low or no rewards on utility bill payments, Axis Ace offers a 5% cashback on making such transactions via Google Pay. Moreover, it covers other popular spending categories, such as cabs and dining, by offering incremental value-back. Flat cashback rate of 1.5% across all online and offline transactions adds to its advantages. What further adds to the card’s value is that it is available even for the first-time card users. Where most basic entry-level cards offer limited benefits, Axis Ace’s benefits on cashback stand out.
Pros
- Accelerated cashback of 5% on recharges and utility bills payments - categories that are generally either excluded or come with base savings rate
- Base cashback rate of 1.5% without any capping
- Zero joining fee on applying via Paisabazaar
- Easily achievable annual fee waiver condition, even for low spenders
Cons
- Monthly capping on incremental cashback earnings
- Quarterly spend-based condition applicable on complimentary access to domestic airport lounges
Frequently Asked Questions
Everything you need to know about this credit card
No, some transactions are not eligible for any cashback accrual. These include fuel spends, EMI transactions, purchases converted to EMI, wallet loading transactions, cash advances, payment of outstanding balances and payment of card fees and other card charges. Moreover, utility bill payments, DTH and mobile recharges paid via any other platform except Google Pay will also not earn any cashback.
No, bill payments, mobile and DTH recharges are rewarded with 5% cashback. Note that the ‘pay with card’ feature for bill payments is available only for Android users. The facility is not available on iOS, which means iPhone users would not be able to maximize the value-back that Axis Ace offers.
Transactions that are over Rs. 2,500 can be converted into EMI post-purchase.
Axis Bank Ace Credit Card users can visit and avail up to 4 free visits to the participating domestic airport lounges every year. Visit the official bank website for the detailed and updated list of eligible lounges. However, this free lounge access is only available if you spend a minimum of Rs. 50,000 during the previous 3 months.
Yes, the list of partner restaurants includes franchises, such as KFC, TGI Fridays, Tossin Pizza, Chicago Pizza and so on.
Axis Ace credit card comes with a combined monthly capping limit of Rs. 500 on the cashback earnings on 5% and 4% cashback categories.
You can apply for Axis Ace Credit Card online either through the Paisabazaar platform by filling your details in the form given on this page or through the official Axis bank website.
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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