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    Axis Bank

    Axis Bank ACE Credit Card

    cat name Shopping
    cat name Cashback
    cat name Online Shopping
    3.5/5.0

    Cashback4.0/5

    Lounge Access3.0/5

    Dining Benefits4.0/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹499* Plus Applicable Taxes

    Utility Bills

    Utility Bills

    Up to 5% savings on bill payments & recharges

    Cashback

    Cashback

    Uncapped base cashback rate of 1.5%

    Lounge Access

    Lounge Access

    Up to 4 free domestic lounge visits per year

    Updated on January 22, 2025 7:32 pm

    Author: Lepakshi Phogat

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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. However, the capping on accelerated cashback comes as a major limitation. The base cashback rate of 1.5% again comes as a decent add-on to the card’s benefits which stands in contrast to the base savings rate of 1% or less that most other credit cards generally offer. Read on to know in detail about the features and benefits of Axis Ace Credit Card.

    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.

     

    Image of Axis Bank Ace credit card
    Image of Axis Ace credit card

    Other Features and Benefits

    • Lounge Access: Up to 4 complimentary domestic airport lounge access per year on spending minimum Rs. 50,000 during the previous 3 months
    • 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 Cashback Credit Cards in India

    Savings Calculator

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    ₹499 Plus Applicable Taxes

    Waived off on spending Rs. 2 lakh in a year

    ₹499 Plus Applicable Taxes

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    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
    On outstanding balance of:
    Up to Rs. 500 Nil
    Rs. 501 to Rs. 5,000 Rs. 500
    Rs. 5,001 to Rs. 10,000 Rs. 750
    Rs. 10,001 and above Rs. 1,200

    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

    Overall Rating

    3.5/5

    Cashback4.0/5

    Lounge Access3.0/5

    Dining Benefits4.0/5

    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.

    You can visit and avail up to 4 free access to the participating domestic airport lounges free visits to domestic airport lounges every year. Visit the official bank website for the detailed list of eligible lounges.

    Yes, the list of partner restaurants includes franchises, such as KFC, TGI Fridays, Tossin Pizza, Chicago Pizza and so on.

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    Footnotes

    1. For Android users only

    Click here to know More Terms and Conditions

    Lepakshi Phogat linkedIn icon

    Content Writer

    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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