Axis Bank ACE Credit Card
Mid Range Visa

Axis Bank ACE Credit Card

Axis Bank

★★★★☆ 4.2/5
Apply on Issuer Site →

Opens the issuer’s official application page.

Joining Fee₹499
Annual Fee₹499
Fee WaiverSpend ₹2L/year
Forex Markup3.5% + GST
Lounge4 domestic lounge visits/year

Welcome Benefit

None

Earn Rates

5% cashback on bill payments & recharges via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% others

Key Highlights

  • Best card for utility bill payments and recharges in India — 5% cashback
  • Cashback auto-credited — no redemption hassle
  • Strong 4% on Swiggy, Zomato, and Ola
  • Under ₹500 annual fee with ₹2L waiver condition

Lounge Access

4 domestic lounge visits/year

Fuel Surcharge Waiver

1% waiver at fuel stations; max ₹500/month

Best For

  • Utility bill payers
  • Swiggy/Zomato/Ola heavy users
  • Entry-to-mid level card seekers

Not Great For

  • International travel
  • Amazon shopping (better options exist)
Ready to apply for the Axis Bank ACE Credit Card?

Apply directly on the issuer’s official site.

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Verified: Data last verified 17 June 2026. Sources: axisbank.com, cardexpert.in

Frequently Asked Questions

Is the 5% Google Pay cashback on ACE on all categories?

The 5% cashback via Google Pay applies to bill payments and mobile recharges made through Google Pay. It does NOT apply to peer-to-peer (P2P) UPI transfers or merchant QR code payments.

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