Axis Ace credit card

Axis Ace

Sponsored4.5

Axis Bank · Visa

Axis ACE is one of India is best everyday cashback cards — 5% on utility bill payments and mobile recharges via Google Pay, 4% on Swiggy, Zomato and Ola, and 2% everywhere else. No point conversions, no reward catalogues — just direct cashback credited to your account. The Rs.499 annual fee is waived at Rs.2 Lakh spend.

Annual Fee

₹499

Waived at ₹2.0L spend

Joining Fee

₹499

Base Reward Rate

2X

₹1/pt

Min CIBIL

650

₹3L+ income

Key Features

5% cashback on utility bills and recharges via Google Pay
4% cashback on Swiggy, Zomato and Ola
2% flat cashback on all other spends
Annual fee waived at Rs.2 Lakh spend
Direct cashback — credited to statement
4 complimentary domestic lounge visits per year
No minimum transaction value for cashback

Welcome Benefits

✓

No Joining Fee (Limited Period Offer)

Axis ACE is periodically offered with zero joining fee. Check current offer on Axis Bank website before applying.

Reward Rates by Category

Dining

4X

Travel

4X

Online

5X

Shopping

2X

Grocery

4X

Fuel

1X

Utilities

4X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
Google Pay — Bill PaymentsUtilities5X
SwiggyFood Delivery4X
ZomatoFood Delivery4X
OlaCab4X
All Other MerchantsGeneral2X

Milestone Benefits

₹2.0 L

Annual Fee Waiver

Spend ₹2 lakhs in a year to waive the ₹499 annual fee for the following membership year

Annual

Airport Lounge Access

Domestic

4 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death cover for primary cardholder

₹50 Lakhs

Credit Shield

Dues waived on accidental death

Outstanding balance

Zero Liability

Report loss promptly

100% fraudulent charges

Eligibility Criteria

Age

18–65 years

Salaried Income

₹3.0 L+ per year

Self-Employed

₹4.0 L+ ITR

Min CIBIL Score

700+

Salaried: Rs.3 Lakh annual income. One of the more accessible cards from Axis Bank. Axis Bank account holders have better approval odds. Good credit score (700+) recommended.

Pros

  • 5% cashback on bill payments via Google Pay (electricity, gas, water, recharges)
  • 4% cashback on Swiggy, Zomato and Ola
  • 2% cashback on all other spends — no categories, no exclusions
  • Direct cashback — no points conversion needed
  • Annual fee waived at Rs.2 Lakh spend
  • Low Rs.499 annual fee
  • No cap on cashback earning for most categories

Cons

  • Cashback credited monthly, not instantly
  • 1% cashback on fuel and utilities paid outside Google Pay
  • No lounge access
  • Mastercard — acceptance slightly lower than VISA at some merchants
  • Limited premium benefits for high-spenders

Redemption Options

Statement credit

Auto credited as cashback₹1/pt

Frequently Asked Questions

How does Axis ACE 5% cashback on Google Pay work?+
When you pay utility bills (electricity, gas, water, broadband) or do mobile recharges using the Axis ACE card via Google Pay, you get 5% cashback. The bill must be paid through the Google Pay app specifically — not through the biller website directly or other UPI apps.
Is there a cap on Axis ACE cashback?+
There is no cashback cap on the 2% general category. The 4% category (Swiggy, Zomato, Ola) may have a monthly cap — check the current terms on the Axis website as these have changed over time. Cashback is credited to your statement at the end of the billing cycle.
Does Axis ACE have lounge access?+
Yes — 4 complimentary domestic lounge visits per year via the VISA/Mastercard lounge network. This is modest compared to premium cards but notable for a card in the Rs.499 fee tier.
How does Axis ACE compare to SBI Cashback Card?+
Both are excellent everyday cashback cards. Axis ACE wins on bill payments (5% via Google Pay) and cab/food delivery (4%). SBI Cashback Card wins on all online spends with a flat 5% rate (vs 2% for ACE on non-preferred platforms). SBI Cashback is better if you spend heavily on Amazon, Flipkart and other e-commerce. ACE is better for bills, food delivery and cabs.
Is there an annual fee on Axis ACE?+
The annual fee is Rs.499, waived if you spend Rs.2 Lakh or more in the card anniversary year. This works out to Rs.16,667 per month — easily achievable for most users. The card is sometimes available with zero joining fee during promotions.

Ready to apply?

Apply on the Axis Bank website. Usually takes 10 minutes.

User Reviews(2)

4.5
2 reviews
5
50%
4
50%
3
0%
2
0%
1
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✍️

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A
AnonymousVerified Cardholder
24 Nov 2025

Perfect second card for everyday spending

Axis Ace is my go-to for anything Google Pay, electricity bills, and food delivery. The 5% on Google Pay transactions covers a huge chunk of my daily payments. Paired with a travel card, this combo handles most spending categories effectively.

What I liked
  • ✓5% on Google Pay transactions
  • ✓Simple cashback - no redemption hassle
  • ✓Works well as daily use card
What could be better
  • ✕No fuel benefits
  • ✕International markup is high
A
AnonymousVerified Cardholder
24 Oct 2025

Best cashback card period, no contest

I have tried SBI Cashback, HDFC Millennia, and a few others. Axis Ace wins for sheer simplicity - 5% on bill payments, 4% on Swiggy, Zomato, Ola. I save around Rs 800-1000 per month just on these categories. No point tracking needed.

What I liked
  • ✓5% on bill payments (electricity, DTH, etc.)
  • ✓4% on Swiggy, Zomato, Ola, Uber
  • ✓2% everywhere else
  • ✓No annual fee if you spend above 2 lakh
What could be better
  • ✕Cashback credited next statement, not instantly
  • ✕Bill payment 5% has some exclusions

Axis Ace

₹499/yr · 2X rewards