Axis Bank ACE Credit Card
Axis Bank · Entry · cashback card
Annual / renewal fee
₹499.
Official source not yet captured
Earn rate
Confirm on the official page
Official source not yet captured
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You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
Overview
One of India's most popular entry-level cashback cards. You get 5% on utility bills and recharges via Google Pay, 4% on Swiggy, Zomato and Ola, and an uncapped 1.5% on everything else — auto-credited to your statement, no redemption needed. It also adds lounge access, rare at this fee.
Best for
- Android users who pay utility bills and recharges via Google Pay.
- Swiggy / Zomato / Ola regulars.
- Anyone wanting simple, auto-credited cashback with lounge access at a low fee.
Official source not yet captured
Not ideal for
- IPhone users — the headline 5% Google Pay bill category is Android-only, so you'd lose the main benefit.
- Heavy foreign spenders also face a 3.5% forex markup.
Official source not yet captured
Fees
Joining fee
₹499 (reversed on ₹10,000 spend within 45 days).
Official source not yet captured
Annual / renewal fee
₹499.
Official source not yet captured
Fee waiver
Annual fee waived on spends of ₹2 lakh in the preceding year.
Official source not yet captured
Rewards
Utility bills + DTH/mobile recharges via Google Pay (Android only)
5% cashback
Official source not yet captured
Swiggy, Zomato, Ola
4% cashback
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All other eligible spends
1.5% unlimited cashback
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Cap
The 5% and 4% categories share a combined cap of ₹500 per statement cycle; the 1.5% base is uncapped
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Plain math
₹10,000/month of Google Pay bill payments at 5% hits the ₹500 monthly cap — about ₹6,000 a year — and the uncapped 1.5% base covers the rest. Cashback is credited straight to your statement, so there's nothing to redeem.
Travel & lounge
Lounge access
4 complimentary domestic airport lounge visits a year, unlocked by ₹50,000 spend in the previous 3 months (the spend requirement is waived for the first 4 months on new cards).
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
3.5%.
Official source not yet captured
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
Not published in the official documents on file — see the official T&C link below.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Last reviewed 2026-06-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.