Axis Bank ACE Credit Card
4.3 from 441 Users
4.3 from 441 Users
5% cashback on bill payments & recharges via Google Pay
Applies to electricity, water, gas, LPG, broadband, DTH & mobile recharges when paid on Google Pay with ACE; Android only.
4% cashback on Swiggy & Zomato
Valid on Swiggy & Zomato (app & website) forms part of the accelerated bucket.
4 complimentary domestic lounge visits/year
ACE is eligible for 4 complimentary visits under the Axis Lounge Access Program
1.5% cashback on all other eligible spends
Unlimited base cashback on eligible spends. Excludes utility (outside GPay), fuel, EMI, wallet loads, rent, insurance, education, and fees.
Online Food Ordering
Dining
Travel
Utility Bills
Joining Fees
₹589 ( ₹499 + GST )
N/A
Annual Fees
₹589 ( ₹499 + GST )
Second-year annual fee is waived on spends of ₹2 lakh in a year.
Age Criteria
18-70 years
Salary Criteria
3 LPA
Credit Rating*
720+
See if you are eligible for this card
Rewards Conversion Rate
N/A
Redemption Options
Cashback is auto-credited to your credit card account in the next billing cycle, 3 days before statement generation.
To check redemption catalogue
All Benefits
• Earn 5% cashback on bill payments (electricity, water, gas, LPG, broadband), DTH, and mobile recharges through Google Pay (Android only).
• 4% cashback on Swiggy, Zomato, and Ola.
• 1.5% unlimited cashback on other eligible spends.
• Cashback from 5% and 4% categories combined capped at ₹500 per statement cycle.
• 4 complimentary domestic airport lounge visits per year (1 per quarter).
• Eligible after ₹50,000 spend in previous 3 months (waived for new cards).
• ₹2/₹25 nominal swipe fee applicable (Visa/RuPay/Mastercard).
• 4% cashback on Ola rides.
• 4% cashback on food delivery via Swiggy and Zomato (capped under ₹500/month combined with 5% category).
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
EMI Transactions
Purchases converted to EMI post facto
Wallet Loads
Cash Advances
Rental Payment
Purchase of Gold/Jewellery Items
Insurance Premium Payments
Educational Services
Payment of Outstanding Balances
Payment of Card Fees
For Spends Waiver
Fuel Spends
EMI Transactions
Purchases converted to EMI post facto
Wallet Loads
Cash Advances
Rental Payment
Purchase of Gold/Jewellery Items
Insurance Premium Payments
Educational Services
Payment of Outstanding Balances
Payment of Card Fees
| Structure | Details |
|---|---|
Forex Markups   Forex markup fee of 3.5% is charged on all international transactions made using the Axis Bank ACE Credit Card. | 3.5% |
APR Fees Interest rate of 3.75% per month (55% p.a) is applicable on unpaid balances and cash advances if the total amount is not paid by the due date. | 3.75% |
ATM Withdrawl A fee of 2.5% of the withdrawal amount or ₹500 (whichever is higher) is charged on ATM cash withdrawals using the Axis Bank ACE Credit Card. | 2.5% |
Reward Redemption Fees There are no reward points on the Axis Bank ACE Credit Card, so redemption fees do not apply. | N/A |
Link for all T&Cs | Click Here |
Railway Surcharge Railway surcharge waiver or fees are not applicable for this credit card. | N/A |
Rent Payment Fees A fee of 1% is applicable on rent payments made using the Axis Bank ACE Credit Card. | 1% |
Cheque Payment Fees A processing fee of 2% is charged for payments made through cheque at Axis Bank branches or drop boxes | 2% |
Cash Payment Fees ₹175 is charged for cash payments made towards the credit card bill at Axis Bank branches. | ₹175 |
| Late Payment Fees Late Payment Charges will be applied if the Minimum Amount Due (MAD) is not paid by the due date. Charges range from ₹100 to ₹1,200 depending on the total outstanding balance. These charges will continue to apply in each billing cycle until the MAD is cleared. | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹750 | ₹500 |
| ₹751 - ₹1200 | ₹750 |
| Above ₹1200 | ₹1,200 |
TOP USPs
5% cashback on bill payments & recharges via Google Pay
Applies to electricity, water, gas, LPG, broadband, DTH & mobile recharges when paid on Google Pay with ACE; Android only.
4% cashback on Swiggy & Zomato
Valid on Swiggy & Zomato (app & website) forms part of the accelerated bucket.
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