Axis Bank Ace Credit Card

Key Features & Benefits

The Axis Bank Ace Credit Card is designed to make everyday spending rewarding with accelerated cashback and valuable perks. Cardholders enjoy 5% cashback on bill payments and recharges via Google Pay, including electricity, gas, internet, and DTH, making monthly utility payments more rewarding. Food lovers benefit from 4% cashback on Swiggy, Zomato, and Ola rides, while all other retail spends earn a base cashback of 1.5%, providing steady returns on diverse transactions.

Beyond cashback, the card offers 4 complimentary domestic airport lounge visits annually, ideal for frequent travelers seeking comfort before flights. A 1% fuel surcharge waiver on fuel purchases (₹400 to ₹4,000) caps savings at ₹500 monthly, helping reduce fuel costs. Dining enthusiasts enjoy up to 15% discounts at over 4,000 partner restaurants across India, enhancing their gastronomic experiences. Additionally, large purchases can be converted into manageable EMIs, adding flexibility to high-value spends.

This card fits well for salaried or self-employed individuals who regularly pay utility bills, order food online, and travel domestically, seeking a mix of cashback rewards and lifestyle benefits with a modest ₹499 annual fee that is waived on ₹2 lakh yearly spends. The Axis Bank Ace blends practical rewards with travel and dining perks, catering especially to urban professionals and everyday spenders looking to maximize value on frequent transactions.

All You Need to Know About: Axis Bank Ace Credit Card

The Axis Bank Ace Credit Card is a cashback-driven credit card optimized for everyday spends across utilities, dining, and commute. It offers 5% cashback on bill payments such as electricity, internet, gas, DTH, and mobile recharges made through Google Pay. Food delivery enthusiasts earn 4% cashback on Swiggy, Zomato, and Ola rides. All other retail spends attract 1.5% cashback, making this card rewarding for a wide range of transactions. Additionally, cardholders benefit from 4 complimentary domestic airport lounge visits annually, adding premium travel convenience.

Fuel surcharge waiver of 1% applies on fuel spends between ₹400 and ₹4,000, capped at ₹500 per billing cycle; however, no cashback is earned on fuel transactions. The card also provides dining discounts of up to 15% at over 4,000 partner restaurants across India. Large purchases can be converted to EMIs easily for flexible payments.

The card carries a joining fee of ₹499 (waived on spends of ₹10,000 within 45 days) and an annual fee of ₹499 (waived on ₹2,00,000 yearly spends). Interest on outstanding balances is 3.6% per month (52.86% per annum), with a 3.5% foreign currency markup on international spends. The straightforward cashback with lifestyle perks is ideal for salaried and self-employed users who want value on everyday payments and travel

Pros & Cons

How to Apply

1. Visit the official Axis Bank website and navigate to the Credit Cards section under Explore Products.

2. Select Axis Bank Ace Credit Card and click ‘Apply Now.’

3. Fill in your personal details, including name, mobile number, address, income, and profession.

4. Submit the application and authorize a bank representative to contact you for the next steps. Upon approval, the card is delivered to your address.

Detailed Fee Structure

The Axis Bank Ace Credit Card charges a joining fee of ₹499 plus GST, which is waived if ₹10,000 is spent within 45 days of card issuance through select channels. The annual fee is ₹499 plus GST from the second year but is waived completely if the cardholder spends ₹2,00,000 or more annually, excluding rent and wallet transactions. Interest on outstanding balances is 3.6% per month (52.86% per annum), and a foreign exchange markup fee of 3.5% applies to international transactions. Additional fees include late payment fees, cash advance charges, chargeback fees, and rent transaction fees capped at ₹1,500 per transaction. A 1% fuel surcharge waiver applies on fuel spends between ₹400 and ₹4,000 with a maximum benefit of ₹500 per statement cycle.The Axis Bank Ace Credit Card is best for digital-savvy users who frequently pay utility bills and recharge services via Google Pay. It appeals to food delivery lovers who order often on Swiggy and Zomato, and commuters who use Ola rides regularly. Eligible for salaried and self-employed individuals, this card suits urban professionals seeking straightforward cashback rewards on essential spends combined with lifestyle perks like domestic lounge access and fuel surcharge waivers.

Who Should Get This Card?

The Axis Bank Ace Credit Card is best for digital-savvy users who frequently pay utility bills and recharge services via Google Pay. It appeals to food delivery lovers who order often on Swiggy and Zomato, and commuters who use Ola rides regularly. Eligible for salaried and self-employed individuals, this card suits urban professionals seeking straightforward cashback rewards on essential spends combined with lifestyle perks like domestic lounge access and fuel surcharge waivers.

Alternatives & Competitor Comparison

Feature	Axis Bank Ace Credit Card	Airtel Axis Bank Credit Card
Card Image
Card Network	Visa	RuPay
USP	The Axis Bank Ace Credit Card offers 5% cashback on utility bill payments and recharges made via Google Pay, 4% cashback on Swiggy, Zomato, and Ola, and 1.5% cashback on all other retail spends, making it perfect for everyday bill payers and food delivery lovers. It also provides 4 complimentary domestic lounge visits annually and attractive dining discounts, combining practical rewards with lifestyle benefits for urban professionals and frequent spenders.	The Airtel Axis Bank Credit Card offers up to 25% cashback on Airtel mobile, broadband, and DTH bill payments via the Airtel Thanks app, along with 10% cashback on utility bills and partner merchants like Swiggy, Zomato, and BigBasket. It also provides 1% cashback on all other spends, plus 4 complimentary domestic lounge visits per year, making it ideal for Airtel users who want maximum savings on everyday bills and dining with added travel perks.
Annual Fee	499 plus GST	500 plus GST
Joining Fee	499 Lifetime free for select users	500 plus GST
Welcome Benefits	N/A	Amazon e-voucher worth ₹500 on the first transaction within 30 days of card issuance.
Lounge Access	Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months	Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months
Reward Rate	Earn 5% cashback on bill payments and recharges via Google Pay and 4% cashback on Swiggy, Zomato, and Ola, with a combined maximum cashback cap of ₹500 per monthly statement cycle. Get unlimited 1.5% cashback on all other eligible spends, with no cap on the base cashback.	Earn 25% cashback on Airtel mobile, broadband, WiFi, and DTH bill payments via Airtel Thanks app (capped at ₹250/month), 10% cashback on utility bills via Airtel Thanks app (capped at ₹250/month), 10% cashback on Swiggy, Zomato, and BigBasket (capped at ₹500/month combined), and 1% unlimited cashback on all other spends including UPI on RuPay variant.
Interest Rate	3.6% per month (52.86% per annum)	3.6% per month (52.86% per annum)
Best For	Bill Payments, Food Ordering	Bill Payments, Food Ordering
Apply Now	Apply Now	Apply Now

Frequently Asked Questions