Axis Bank ACE Credit Card
Updated on October 29, 2026
🎖️Reward Rate
Bill Payments on Google Pay: 5% cashback on utility bills, DTH and mobile recharges
Overview
The Axis Bank ACE Credit Card gives 5% cashback on bills paid through Google Pay, 4% on Swiggy, Zomato and Ola, and 1.5% on other spends.
Rewards
Reward Type
Cashback
Reward Rate
- • Bill Payments on Google Pay: 5% cashback on utility bills, DTH and mobile recharges
- • Swiggy, Zomato and Ola: 4% cashback
- • Other Spends: 1.5% cashback
- • Exclusions: No cashback on fuel
Redemption
- • Statement Credit: Cashback is credited directly to your card statement
- • No Redemption Fee: No fee to receive cashback
Benefits
- Domestic Lounges: 4 complimentary visits a calendar year at select airports
- Fuel Surcharge Waiver: 1% on transactions of ₹400 to ₹4,000, up to ₹500 per statement
- EMI: Convert purchases of ₹2,500 or more to EMI
Things to Know Before you apply
Axis Bank ACE Credit Card Eligibility Criteria
- Age: 18–70 years
- Salaried, Self-Employed Professional, Business Owner
- Resident Indian citizen
Axis Bank ACE Credit Card Customer Care
- Toll Free: 1800 4030 / 1800 8911
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of the amount withdrawn (minimum ₹500). |
Fee waiver: Joining fee waived if you spend ₹10,000 within 45 days. Annual fee waived from year 2 on annual spends above ₹2 lakh, excluding rent and wallet loads.
PaisaSimple Review
Overall Rating
4.0/5What do we like about this card?
Rated 4.0 out of 5. The Axis Bank ACE Credit Card scores well for 5% cashback on bills paid through Google Pay, 4% on Swiggy, Zomato and Ola and 1.5% on other spends, credited straight to the statement. It loses marks because the 5% rate applies only to bills paid through Google Pay and the forex markup is 3.5%.
Pros
- • Bill Cashback: 5% on bills and recharges via Google Pay
- • Food and Rides: 4% on Swiggy, Zomato and Ola
- • Flat Rate: 1.5% on other spends
- • Lounges: 4 domestic visits a year
Cons
- • Google Pay Only: 5% applies only to bills paid through Google Pay
- • Fee: ₹499 unless spend targets are met
- • Forex: 3.5% markup
- • Interest: 3.75% a month on unpaid balances
Frequently Asked Questions
How is cashback credited on the Axis Bank ACE Credit Card?
Cashback earned during a billing cycle is automatically calculated and credited directly to your credit card statement in the following billing cycle. There is no redemption portal to log into and no redemption fee charged.
Are rent, fuel, and wallet loads eligible for cashback?
No. Fuel transactions, wallet load recharges, rent payments (MCC 6513), education fees, and EMI transactions are excluded from cashback. Additionally, rent payments incur a 1% processing fee, and high-volume utility spends (>₹25k) incur a 1% fee.
How do I get the ₹499 annual fee waived?
The annual fee of ₹499 is waived from the 2nd year onwards if your total eligible retail spends exceed ₹2,00,000 in the preceding 12 billing months. Note that rent payments and wallet loads do not count toward this ₹2,00,000 threshold.
What is the cap on 5% utility and 4% partner spends?
Both the 5% Google Pay utility category and the 4% Swiggy/Zomato/Ola category have independent monthly caps of ₹500 each. Beyond the cap, transactions continue to earn 1.5% unlimited cashback.
Does the Axis Bank ACE Credit Card give airport lounge access?
Domestic Lounges: 4 complimentary visits a calendar year at select airports.
What is the forex markup on the Axis Bank ACE Credit Card?
The forex markup is 3.5% of the amount spent in a foreign currency.
Who can apply for the Axis Bank ACE Credit Card?
Applicants should be 18 to 70 years old. Open to salaried, self-employed professionals, business owners. You must be a resident Indian.
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- • Activation benefit worth ₹250. Not available on cards issued without a joining fee.
- • Complimentary Swiggy One membership for 12 months after the card is activated.
- • Bill Payments on Google Pay: 5% cashback on utility bills, DTH and mobile recharges
- • Swiggy, Zomato and Ola: 4% cashback
- • Other Spends: 1.5% cashback
- • Exclusions: No cashback on fuel
- • Airtel Bills: 25% cashback on Airtel mobile, broadband, WiFi and DTH via the Airtel Thanks app, capped at twice your base cashback that month
- • Utility Bills: 10% cashback via the Airtel Thanks app, capped at your base cashback that month
- • Zomato, Blinkit and District Movies: 10% value back, up to ₹200 per partner a month, minimum order ₹499 on Zomato and Blinkit
- • Other Spends: 1% cashback
- • Exclusions: No cashback on fuel
- • Swiggy: 5% on the Swiggy app for food delivery, Instamart and Dineout
- • Online Shopping: 5% on select online merchants such as apparel, pharmacy, electronics, entertainment, travel and local cabs
- • 5% Cap: ₹1,500 a billing cycle across Swiggy and online spends together
- • Other Spends: 1%, up to ₹1,000 a billing cycle
- • Exclusions: No cashback on fuel, rent, jewellery, government, gaming, education, EMI and wallet loads
- • Bill Cashback: 5% on bills and recharges via Google Pay
- • Food and Rides: 4% on Swiggy, Zomato and Ola
- • Flat Rate: 1.5% on other spends
- • Lounges: 4 domestic visits a year
- • Airtel Cashback: 25% on Airtel bills
- • Utility Cashback: 10% via the Airtel Thanks app
- • Food and Movies: 10% value back on Zomato, Blinkit and District
- • Automatic Credit: Cashback goes straight to your statement
- • Swiggy Cashback: 5% on food delivery, Instamart and Dineout
- • Online Shopping: 5% on select online merchants
- • Low Fee: ₹500, waived at ₹1.5 lakh spend
- • Swiggy One: 12 months free
- • Google Pay Only: 5% applies only to bills paid through Google Pay
- • Fee: ₹499 unless spend targets are met
- • Forex: 3.5% markup
- • Interest: 3.75% a month on unpaid balances
- • Linked Caps: Bill cashback is limited by your base cashback each month
- • Fee: ₹500 unless you spend ₹2 lakh
- • No Lounge Access: Airport lounges are not included
- • Forex: 3.5% markup
- • Interest: 3.75% a month on unpaid balances
- • Shared Cap: 5% cashback stops at ₹1,500 a cycle across Swiggy and online spends
- • High Forex: 3.5% markup
- • No Fuel Surcharge Waiver: Not offered on this card
- • No Lounge Access: No lounge visits listed
- • Exclusions: No cashback on fuel or rent