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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

Axis Bank Ace

Axis Bank ACE Credit Card is a cashback-focused credit card designed for everyday spending, especially utility payments, food delivery, and digital transactions. It offers high cashback rates with a simple structure, making it one of the best cards for regular monthly expenses.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident or NRI (subject to bank conditions)
Age: 18 to 60 years
Salaried or self-employed individual
Stable income source (₹15,000+ monthly preferred)
Good CIBIL score (750+ preferred)

Features & Benefits

5% cashback on utility bill payments & recharges via Google Pay
4% cashback on Swiggy, Zomato & Ola
1.5% cashback on all other spends
Cashback directly credited to statement
4 complimentary domestic lounge visits per year
1% fuel surcharge waiver (₹400–₹4000 transactions)
Dining discounts up to 15% at partner restaurants
EMI option available on transactions above ₹2,500 

Fees & Charges

Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST*
Joining Fee: ₹499
Annual Fee: ₹499 (waived on annual spend criteria)
Interest Rate: ~3%–3.6% per month (~40%–45% p.a.)
Cash Withdrawal Fee: 2.5% (min ₹500)
Fuel Surcharge Waiver: 1% (as per limits)
Late Payment Charges: As per bank policy

Documents Required

Identity Proof (PAN Card mandatory)
Address Proof
Income Proof (Salary Slip / ITR / Form 16)
Passport-size photographs

FAQs

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It offers 5% cashback on utility bills, 4% on food delivery & rides, and 1.5% on all other spends.

Cashback is generally uncapped but subject to category conditions.

Yes, 4 complimentary domestic lounge visits per year are provided.

Yes, it is one of the best cards for utility payments and everyday spending.

Cashback is directly credited to your credit card statement.

Terms & Conditions

Cashback is applicable only on eligible categories (e.g., utility via Google Pay)
No cashback on fuel, EMI, wallet loads, or excluded categories
Approval is subject to Axis Bank credit policy
Fees and charges may change as per bank guidelines
Late payments may attract penalties and affect credit score

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Card At A Glance
Joining Fee ₹499 + GST
Annual Fee ₹499 + GST*
Rewards 5% cashback on utility bill payments & recharges via Google Pay
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type AXIS BANK