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Credit Cards · India

Axis Bank ACE Credit Card

Updated 5 Jul 2026Source-linked

The Axis Bank ACE Credit Card is a entry credit card from Axis Bank, with a joining fee of ₹499 + GST.

It earns up to 5% on bill payments recharges google pay spends in the form of cashback.

Cardholders get 4 annual domestic airport lounge access.

Axis Bank logo
Axis Bank ACE Credit Card
Visa logo
  • Joining Fee₹499
  • Annual Fee₹499
  • Best Suited ForCashback
  • Reward TypeCashback
Rewards Rate
  • 5% on bill payments recharges google pay (cap 500 cashback inr / statement)
  • 4% on swiggy zomato ola partners (cap 500 cashback inr / statement)
  • Base 1.50% on other spends
Welcome Benefits
  • Not applicable
Data verified 5 Jul 2026 — see our methodology
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Rewards and Benefits

Rewards Rate
5% on bill payments recharges google pay (cap 500 cashback inr / statement)
4% on swiggy zomato ola partners (cap 500 cashback inr / statement)
Base 1.50% on other spends.
Reward Redemption
Auto-credited to next statement.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
Up to 15% off via EazyDiner Prime
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.5% = ₹225/mo
  • Groceries₹8,000 · 1.5% = ₹120/mo
  • Dining & food delivery₹8,000 · 1.5% = ₹120/mo

    Dining & food delivery — earns base; accelerated rate needs booking via swiggy, zomato, ola

  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 1.5% = ₹150/mo
  • Utilities & bills₹5,000 · 1.5% = ₹75/mo

    Utilities & bills — earns base; accelerated rate needs booking via google-pay-bills, google-pay-recharges

Est.net rewards for this spend, realistic
₹8,280/yr

₹8,280 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹2,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.00% per month (36.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹500 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by Axis Bank.
  • Joining / annual fee of ₹499 + GST, waived on annual spends of ₹2,00,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (4/annual).

Pros & Cons

Pros
  • Annual fee waivable on ₹2,00,000 spend.
  • Strong base reward rate of 1.50%.
  • Complimentary domestic airport lounge access (4/annual).
  • Accelerated earn worth ≈5.0% on bill payments recharges google pay.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 5% on bill payments recharges google pay (cap 500 cashback inr / statement)
    Merchants: google-pay-bills, google-pay-recharges
    5% bill-pay + 4% Swiggy/Zomato/Ola SHARE a single Rs500/month cashback cap.
  • 4% on swiggy zomato ola partners (cap 500 cashback inr / statement)
    Merchants: swiggy, zomato, ola
    Shares the Rs500/month cashback cap with the 5% bill-pay category.
Capping rules
  • Combined accelerated + base cashback capped at ₹500 per statement cycle across 4%/5% categories.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
4 visit(s) / annual. Via dreamfolks.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹500 per statement.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
720+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.
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