Axis

Axis ACE Credit Card

Apply for Axis ACE Credit Card for 5% cashback on Google Pay, 4% on Swiggy & Zomato, 2% base cashback & 4 lounge visits. Best for daily spenders.

Online Food OrderingTravelUtility BillsUPI
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Issued by

Axis

Axis ACE Credit Card image
Joining Fee₹499
Annual Fee₹499
Income₹25000
Credit Score720

Key Highlights

Online Food Ordering

4% cashback on Swiggy, Zomato & Ola

Valid on (app & website)Accelerated cashback is capped at ₹500 per statement (combined with 5% category)

5% Cashback on Bill Payments & Recharges Via Google Pay

Electricity, water, gas, LPG, broadband, DTH & mobile recharges paid via Google Pay using ACE (Android only). Accelerated cashback is capped at ₹500 per statement (combined with 4% category)

Combined cap ₹500 per statement with the 4% category; no cashback on utilities done outside GPay.

4% Cashback on Swiggy, Zomato & Ola

Valid on Swiggy & Zomato (app & website) forms part of the accelerated bucket

Utility Bills

5% Cashback on Bill Payments & Recharges via Google Pay

electricity, water, gas, LPG, broadband, DTH & mobile recharges paid via Google Pay using ACE (Android only). Accelerated cashback is capped at ₹500 per statement (combined with 4% category)

UPI

Pay bills via UPI

and earn 5% cashback on utility bill payments made through Google Pay UPI, including electricity, internet, gas, DTH, and mobile recharges

Utility Bills

1.5% Cashback on all

Other Eligible Spends

Travel

4 Complimentary Domestic Lounge Visits

per calendar year at select domestic airports

From 1 May 2024, lounge access requires ₹50,000 eligible spends in the previous 3 calendar months; new cards get issuance month + next 3 months waived.

4 Complimentary Domestic Lounge Visits

per calendar year at select domestic airports

Eligibility

Age Criteria18-70

Applicants must be between 18 and 70 years at the time of application.

Credit Score720

A CRIF score of 720 or above is required as per the bank’s eligibility criteria.

Salaried Income₹3 LPA

Minimum Annual Income of ₹3 LPA is required to apply for the Axis Bank ACE Credit Card, as per bank eligibility.

Self-employed Income₹3 LPA

Minimum Annual ITR of ₹3 LPA is required to apply for the Axis Bank ACE Credit Card, as per bank eligibility.

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹499

A one-time joining fee is charged at the time of card issuance as per the bank’s policy.

Joining Fee OffsetThe joining fee is not offset by any bonus or credit.
Annual Fee₹499

The annual fee is charged every year and may be waived if you meet the bank’s spending conditions.

Annual Fee WaiverThe annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy.
Estimated Annual Saving₹20000

Rewards & Redemption

Reward ConversionN/A
Redemption Options

This is a cashback card, and the earned cashback is adjusted directly in your monthly statement.

Earning ExclusionsFuel 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
Spend ExclusionsFuel 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

Benefits

All Benefits

  • 5% cashback on utility bill payments including electricity, water, gas, LPG and broadband, as well as DTH and mobile recharges, when paid via Google Pay using the Axis Bank ACE Credit Card, Android only
  • 4% cashback on spends made on Swiggy, Zomato and Ola through their mobile apps or websites
  • 1.5% unlimited cashback on all other eligible retail spends via UPI
  • Cashback from the 5% and 4% categories combined is capped at ₹500 per statement cycle
  • 4 complimentary domestic airport lounge visits per calendar year at select airports

Cab Benefits

  • 4% cashback on Ola rides booked through the Ola app. Cashback is included in the accelerated cashback category

Airport Lounge Benefits

  • Enjoy 4 Complimentary Lounge visits per calendar year at select domestic airport 

Dining Benefits

  • 4% cashback on Swiggy and Zomato on food delivery orders made through the app or website

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 capped at ₹400 per statement cycle

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility. Please read the final card details before applying
No minimum transaction is required to activate cashback on this card — cashback starts from your first eligible spend.

FAQ

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