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Last updated: 01-06-2026
Axis Bank ACE Credit Card
Axis Bank

Axis Bank ACE Credit Card

"5% cashback on bills via Google Pay โ€” best everyday cashback card"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น499 + GST (reversed on spending โ‚น10,000 within 45 days of card issuance)
๐Ÿ”„ Renewal Fee
โ‚น499 + GST
Waived: Waived on annual spends of โ‚น2 lakh or more in previous membership year
๐ŸŽฏ Best Suited For
Young professionals, frequent Google Pay users, those with high utility bill payments, Swiggy and Zomato regulars
๐ŸŽ Reward Type
Direct Cashback (auto-credited to statement monthly)
๐ŸŽ‰ Welcome Benefit
Joining fee of โ‚น499 reversed on spending โ‚น10,000 within 45 days of card issuance
๐Ÿ’ฐ Reward Rate
5% cashback on utility bill payments (electricity, gas, internet, water) and DTH/mobile recharges via Google Pay; 4% cashback on Swiggy, Zomato, and Ola; 1.5% cashback on all other spends (no cap on 1.5% category); combined cap of โ‚น500/month on 5% and 4% categories
โœˆ๏ธ Lounge Access
4 complimentary domestic airport lounge visits per calendar year (1 per quarter) on spending minimum โ‚น50,000 in previous 3 calendar months
๐Ÿ’ต Cashback Rate
5% on Google Pay bill payments; 4% on Swiggy/Zomato/Ola; 1.5% on all other spends
โญ Rate this Card
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โœ… Pros
  • 5% cashback on utility bills via Google Pay โ€” rare benefit among cashback cards
  • 4% on Swiggy, Zomato, Ola โ€” covers most food and commute spends
  • 1.5% base cashback on all other spends with no cap
  • Low joining fee (โ‚น499, reversed on โ‚น10K spend)
  • Cashback auto-credited โ€” no redemption hassle
  • 15% dining discount at 4,000+ restaurants
โŒ Cons
  • 5% and 4% cashback combined capped at just โ‚น500/month
  • Utility bill 5% cashback only works via Google Pay (not other payment apps)
  • No lifestyle or travel benefits
  • High interest rate of 3.75%/month
  • Lounge access requires โ‚น50,000 spend in previous 3 months
  • Not suitable for iPhone users (Google Pay cashback limited on iOS)

๐ŸŽ Rewards & Benefits

Reward Type
Direct Cashback (auto-credited to statement monthly)
Welcome Benefits
Joining fee of โ‚น499 reversed on spending โ‚น10,000 within 45 days of card issuance
Reward Rate
5% cashback on utility bill payments (electricity, gas, internet, water) and DTH/mobile recharges via Google Pay; 4% cashback on Swiggy, Zomato, and Ola; 1.5% cashback on all other spends (no cap on 1.5% category); combined cap of โ‚น500/month on 5% and 4% categories
Reward Redemption
Cashback auto-credited to statement at end of every billing cycle โ€” no action needed
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions between โ‚น400 and โ‚น4,000; maximum waiver โ‚น500 per statement cycle
Lounge Access
4 complimentary domestic airport lounge visits per calendar year (1 per quarter) on spending minimum โ‚น50,000 in previous 3 calendar months
Spend Based Fee Waiver
Annual fee waived on spending โ‚น2 lakh or more per year
Milestone Benefits
Details coming soon
Other Benefits
Up to 15% off dining at 4,000+ partner restaurants under Axis Bank Dining Delights program

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero lost card liability on reporting
Add-on Cards
Add-on cards available for family members
Concierge Services
Details coming soon
Special Offers
15% off at 4,000+ partner restaurants; exclusive Google Pay merchant offers

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น499 + GST (reversed on spending โ‚น10,000 within 45 days of card issuance)
Annual Fee / Renewal Fee
โ‚น499 + GST
โœ“ Waived on: Waived on annual spends of โ‚น2 lakh or more in previous membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.75% per month (55.55% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 (due up to โ‚น500); โ‚น500 (โ‚น501โ€“โ‚น10,000); โ‚น750 (above โ‚น10,000)
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Transactions above โ‚น2,500 can be converted to EMI; cash advance fee 2.5% (min โ‚น500)

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18โ€“70 years; salaried or self-employed; minimum net monthly income โ‚น15,000; good credit history
Credit Score Requirement
750+ CIBIL score recommended
Credit Limit
Based on income and credit profile

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Transactions above โ‚น2,500 can be converted to EMI; flexible tenures
Balance Transfer Facility
Available on request
Balance Transfer Interest Rate
As per Axis Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant card block via Axis Bank mobile app or helpline
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero liability on card loss after immediate reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions after reporting lost/stolen card

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860-419-5555 / 1860-500-5555 (24x7)
Chat / Email Support
Chat support via Axis Bank mobile app and website
Mobile App
Axis Mobile app: manage card, track cashback, pay bills, block/unblock card
Online Banking
Full card management via Axis Bank NetBanking: statements, payments, EMI conversion

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:30 PM
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