Axis Bank ACE Credit Card
Axis Bank ACE Credit Card Overview
The Axis Bank ACE Credit Card is a popular cashback card designed for people who spend frequently on digital platforms. Whether it’s paying bills, ordering food, or shopping online, ACE rewards you with effortless cashback.
Co-branded with Google Pay, this card delivers high-value cashback directly to your statement, no confusing reward points or conversions.
1. Key Features & Benefits
| Feature | Details |
|---|---|
| Cashback on Bill Payments | 5% cashback on mobile recharges, DTH, and utility bill payments made via Google Pay |
| Food & Delivery Cashback | 4% cashback on Swiggy, Zomato, and Ola |
| All Other Spends | 1.5% cashback on every other transaction |
| Unlimited Cashback | No upper cap on the total cashback you can earn |
| Lounge Access | 4 complimentary domestic airport lounge visits per year |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 and ₹4,000 |
| Annual Fee Waiver | Spend ₹2,00,000 or more in a year to get next year’s fee waived |
| Easy EMI Conversion | Convert large purchases into EMIs from your account or Axis app |
Cashback is auto-credited to your statement at the end of each billing cycle, making it simple to track and redeem.
2. Eligibility Criteria
| Criteria | Details |
|---|---|
| Age (Primary Cardholder) | 18 – 70 years |
| Age (Add-on Cardholder) | Minimum 15 years |
| Income Requirement | Stable monthly income as per Axis Bank’s policy |
| Residency | Indian resident |
| Credit Score | 700+ recommended |
| Documents Required | PAN card, identity proof, address proof, and income proof (salary slip or ITR) |
Approval is subject to Axis Bank’s internal policy and credit evaluation.
3. Fees and Charges
| Type | Amount |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee (from 2nd year) | ₹499 + GST (waived on ₹2,00,000 annual spend) |
| Add-on Card Fee | Nil |
| Finance Charges | 3.6% per month (52.86% per annum) |
| Cash Withdrawal Fee | 2.5% of withdrawn amount or ₹500 (whichever is higher) |
| Late Payment Fee | ₹500 – ₹1,200 (based on outstanding amount) |
| Foreign Currency Mark-up | 3.5% |
| Fuel Surcharge Waiver | 1% (₹400 – ₹4,000 transaction range) |
4. Cashback Value Chart
Here’s what your monthly savings can look like:
| Spend Category | Monthly Spend | Cashback Rate | Cashback Earned |
|---|---|---|---|
| Google Pay Bill Payments | ₹4,000 | 5% | ₹200 |
| Swiggy / Zomato / Ola | ₹3,000 | 4% | ₹120 |
| Online Shopping / Others | ₹10,000 | 2% | ₹200 |
| Total Monthly Cashback | ₹17,000 | — | ₹520 |
| Total Yearly Value | — | — | ₹6,240 |
With consistent use, the Axis ACE Card easily pays back more than its annual fee.
5. How to Apply
You can apply for the card online in just a few minutes:
- Visit the official Axis Bank website or the Google Pay app.
- Select “Apply for Axis Bank ACE Credit Card.”
- Fill in your name, PAN, mobile number, and income details.
- Complete your KYC verification online.
- Submit your documents (identity, address, and income proof).
- On approval, your virtual card will be activated instantly, and the physical card will arrive within 5–7 days.
6. Why Choose the Axis ACE
- Simple cashback structure, no complicated rewards.
- Cashback automatically reflects in your statement.
- Perfect for those who regularly pay bills and order food online.
- Includes lounge access, fuel waiver, and strong Axis Bank support network.
7. Pros and Cons
| Pros | Cons |
|---|---|
| High cashback on Google Pay and food apps | No international lounge access |
| Unlimited cashback earning | Cashback not applicable on rent/wallet loads |
| Easy annual fee waiver | Requires good credit score |
| Complimentary domestic lounge access | 3.5% foreign transaction fee |
FAQs
Final Thoughts
The Axis Bank ACE Credit Card is among the most rewarding cards for everyday users in India. The 5% cashback on bill payments through Google Pay, combined with 4% on food delivery, makes it perfect for anyone who spends primarily online.
If you’re looking for one card that’s easy to maintain and gives consistent returns, this is a great choice.