Axis Bank Ace Credit Card is one of the best cashback credit cards in India. It offers the highest cashback of 5% on certain brands and categories and 2% across all transactions. It is a well-suited option for those who are looking for a good value back credit card.
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Key Highlights of Axis Bank ACE Credit Card | |
| Card Type | Mid-level |
| Best Suited for | For Cashback |
| Joining Fee | Rs. 499 (reversed on spending Rs. 10,000 within 45 days of card issuance) |
| Renewal Fee | Rs. 499 (waived off on spending Rs. 2 lakh in a year) |
| Best Feature | 5% cashback on bill payment, DTH and mobile recharge* |
| Paisabazaar’s Rating | ★★★★ (4/5) |
*Terms and conditions applicable.
Also read: 10 Best Axis Credit Cards in India
| On this page |
This credit card offers unlimited cashback on your transactions. Some of the top features and benefits of Axis Bank ACE Credit Card are mentioned below:
Earn cashback on your transactions as per the below details:
Apart from cashback, you can also avail below benefits via this credit card:
Joining Fee Reversal: Spend Rs. 10,000 within 45 days of card issuance to avail joining fee reversal.
Annual Fee Waiver: Spend Rs. 2 lakh or above in a year and avail annual fee waiver.
Complimentary Lounge Access: 4 complimentary domestic lounge visits in a year.
Fuel Surcharge Waiver: 1% fuel surcharge waiver (maximum Rs. 500 in a month) across all fuel stations on transactions between Rs. 400 to Rs. 4,000.
Dining Benefits: Up to 20% off at 4,000+ participating restaurants.
Convert Purchases into EMIs: Convert your purchases of Rs. 2,500 and above into EMIs.
Below mentioned are the fees and charges associated with this credit card:
| Particulars | Charges |
| Joining Fee | Rs. 499 (reversed on spending of Rs. 10,000 within 45 days of card issuance) |
| Annual Fee | Rs. 499 (waived off on annual spend of Rs. 2 lakh or more) |
| Finance Charges | 3.6% p.m. | 52.86% p.a. |
| Late Payment Fee | For Statement Balance:
|
Must read: 7 Credit Card Fees and Charges You Must Know
Customers must meet the below given eligibility criteria in order to apply for Axis Bank Ace Credit Card:
| Criteria | Details |
| Occupation | Salaried or Self-employed |
| Age | 18-70 years |
| Serviceable Cities | Click here for the list of eligible cities |
| Documents Required | Click here for the list of acceptable documents |
Note: The eligibility criteria and acceptable documents are for indicative purposes only. Actual criteria and documents required may vary.
Axis Bank ACE Credit Card is known for its decent cashback rate. It is the right choice for people who are looking for a credit card that offers unlimited cashback and does not want to pay a high annual fee. Apart from cashback, it also offers complimentary lounge access and dining benefits to its users. Overall, you can apply for this credit card if you want to avail cashback on your transactions. However, if you are looking for a credit card that offers reward points instead of cashback, then this might not be the right option for you.
Planning to apply for this credit card? Read detailed Axis Bank ACE Credit Card review.
A few of the similar cashback credit cards are mentioned in the table below:
| Credit Card | Annual Fees | Comparative Feature |
| Axis Bank ACE Credit Card | Rs. 499 | Unlimited 5% cashback on bill payments, DTH, and mobile recharges via Google Pay |
| Amazon Pay ICICI Bank Credit Card | Nil | Up to 5% cashback on Amazon spends |
| HDFC Bank Millennia Credit Card | Rs. 1,000 | 5% cashback on Amazon and Flipkart |
| HSBC Cashback Credit Card | Rs. 750 | 1.5% cashback on all online spends |
| Standard Chartered Manhattan Platinum Credit Card | Rs. 999 | 5% cashback on your spends at supermarket |
I have Indian citizenship but I travel a lot overseas, can I still apply for this credit card?
Yes, as long as you are a resident of India you may apply for this credit card.
Will I get 2% cashback on all transactions?
No, some transactions are not eligible for cashback. 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.
Are all purchases on Google Pay rewarded with 5% cashback?
No, bill payments, mobile and DTH recharges are rewarded with 5% cashback.
Which transactions can I convert into EMI?
Transactions that are over Rs. 2,500 can be converted into EMI post-purchase.
Does Axis Bank provide a discount on chain restaurants or franchises such as KFC?
Yes, the list of partner restaurants includes franchises, such as KFC, TGI Fridays, Tossin Pizza, Chicago Pizza and so on.
Which airport lounges can I visit for free via the Axis Bank ACE Credit Card?
You can avail free visits to domestic airport lounges. Click here to view the list.
