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Axis Bank Ace Credit Card

Axis Bank

Annual / renewal fee

₹499.

VerifiedKey Fact Sheet (KFS) / Schedule of Charges – Retail Credit Cards incl. ACE (axis.bank.in)4 Aug 2026, 7:45 AM ISTAxis Bank

Earn rate

  • 5% cashback on bill payments (electricity, water, gas, LPG and broadband), DTH and mobile recharges through Google Pay.
  • 4% cashback on Swiggy, Zomato and Ola.
  • 1.5% base cashback on other eligible merchants (w.e.f 20th April 2024).

VerifiedAxis Bank Ace Credit Card product page4 Aug 2026, 7:45 AM ISTAxis Bank

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at axis.bank.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-04
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at axis.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

Axis Bank Ace Credit Card by Axis Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

  • ₹0 (Limited time offer).
  • Annual/renewal fee ₹499.

VerifiedKey Fact Sheet (KFS) / Schedule of Charges – Retail Credit Cards incl. ACE (axis.bank.in)4 Aug 2026, 7:45 AM ISTAxis Bank

Annual / renewal fee

₹499.

VerifiedKey Fact Sheet (KFS) / Schedule of Charges – Retail Credit Cards incl. ACE (axis.bank.in)4 Aug 2026, 7:45 AM ISTAxis Bank

Fee waiver

  • Annual Fee waived on spends of ₹2,00,000 in the preceding year.
  • For fee waiver calculation, transactions made on Rent and Wallet load are excluded (effective 20th June 2025).

VerifiedKey Fact Sheet (KFS) / Schedule of Charges – Retail Credit Cards incl. ACE (axis.bank.in)4 Aug 2026, 7:45 AM ISTAxis Bank

Rewards

  • 5% cashback on bill payments (electricity, water, gas, LPG and broadband), DTH and mobile recharges through Google Pay.
  • 4% cashback on Swiggy, Zomato and Ola.
  • 1.5% base cashback on other eligible merchants (w.e.f 20th April 2024).

VerifiedAxis Bank Ace Credit Card product page4 Aug 2026, 7:45 AM IST

Redemption value

  • Cashback is credited to the Credit Card account.
  • Cashback earned in current billing cycle is credited in the next billing cycle 3 days prior to the statement generation date.
  • Cashback rounded off to nearest rupee per individual transaction.

VerifiedAxis Bank Ace Credit Card product page4 Aug 2026, 7:45 AM ISTAxis Bank

Reward cap

  • 5% and 4% accelerated cashback categories combined capped at ₹500 per statement (w.e.f. 15th June 2023).
  • 1.5% cashback on other eligible merchants is unlimited.

VerifiedAxis Bank Ace Credit Card product page4 Aug 2026, 7:45 AM ISTAxis Bank

Reward exclusion

utility spends done on platforms other than Google PayTelecomFuelEMI transactionspurchases converted to EMI post factowallet loadingcash advancesrental paymentjewelry/goldinsurance premiumeducational servicesgovernment servicesfinancial institutionspayment of outstanding balancescard fees and charges (identified by spend category w.e.f 20th June 2025)

VerifiedAxis Bank Ace Credit Card product page4 Aug 2026, 7:45 AM ISTAxis Bank

Travel & lounge

Lounge access

  • 4 complimentary domestic airport lounge accesses per year (Set A lounges).
  • Effective 1st May 2024, access requires minimum eligible spend of ₹50,000 in the previous 3 calendar months.
  • For a newly issued card the spend criteria is waived for the month of issuance plus the next 3 calendar months.
  • Swipe fee of ₹2 for Visa, ₹25 for Mastercard, ₹2 for Rupay at point of entry.

VerifiedAxis Bank Ace Credit Card product page4 Aug 2026, 7:45 AM ISTAxis Bank

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Official source not yet captured

Eligibility

Eligibility

  • The Credit Card is issued for personal expenses and purposes only.
  • The Cardholder must not use the Credit Card to purchase anything for resale, for commercial or business purposes.

VerifiedAxis Bank Ace Credit Card product page4 Aug 2026, 7:45 AM ISTAxis Bank

Charges & interest

Forex markup

  • Foreign Transaction Fee: 3.5% of transaction amount.
  • Dynamic Currency Conversion markup: 1.5% of transaction amount.

VerifiedKey Fact Sheet (KFS) / Schedule of Charges – Retail Credit Cards incl. ACE (axis.bank.in)4 Aug 2026, 7:45 AM ISTAxis Bank

Charge

  • Interest Rate: 55.55% p.a. (3.75% per month).
  • Cash Withdrawal Fee: 2.5% of cash amount (min ₹500).
  • Cash Withdrawal Limit: 30% of Credit Limit.
  • Dynamic Currency Conversion markup: 1.5% of Transaction Amount.
  • Rent Transaction Fee: 1% of each Rental Transaction.
  • Education Transaction Fee: 1% on education payments made via third party apps.
  • Wallet Load Transaction Fee: 1% on cumulative spends of ₹10,000 or more per statement cycle.
  • Fuel Transaction Fee: 1% on cumulative spends of ₹50,000 or more per statement cycle.
  • Utility Transaction Fee: 1% on cumulative spends of ₹25,000 or more per statement cycle.
  • Online Skill-Based Gaming Transaction Fee: 1% on cumulative spends of ₹10,000 or more per statement cycle.
  • Late Payment Fee: Nil (<₹500), ₹500 (₹501-5,000), ₹750 (₹5,001-10,000), ₹1,200 (>₹10,000), plus additional ₹100 on missing MAD for two consecutive cycles.
  • Over-limit Fee: 2.5% of Over-limit Amount (min ₹500).
  • Fees for Cash Payment at Branches: ₹175.
  • Cheque Return/Dishonour/Auto Debit Reversal: 2% of payment amount (min ₹500).
  • All charges exclusive of GST.

VerifiedKey Fact Sheet (KFS) / Schedule of Charges – Retail Credit Cards incl. ACE (axis.bank.in)4 Aug 2026, 7:45 AM ISTAxis Bank

Interest-free period

Interest-free grace period ranges from 20 to 50 days, depending on the date of transaction.

VerifiedKey Fact Sheet (KFS) / Schedule of Charges – Retail Credit Cards incl. ACE (axis.bank.in)4 Aug 2026, 7:45 AM ISTAxis Bank

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the Axis Bank Ace Credit Card?

Officially traced: Rs. 499.

Key Fact Sheet (KFS) / Schedule of Charges – Retail Credit Cards incl. ACE (axis.bank.in)

What is the joining fee on the Axis Bank Ace Credit Card?

Officially traced: Rs. 0 (Limited time offer).

Key Fact Sheet (KFS) / Schedule of Charges – Retail Credit Cards incl. ACE (axis.bank.in)

Is the Axis Bank Ace Credit Card annual fee ever waived?

Annual Fee waived on spends of Rs. 2,00,000 in the preceding year.

Key Fact Sheet (KFS) / Schedule of Charges – Retail Credit Cards incl. ACE (axis.bank.in)

How does the Axis Bank Ace Credit Card earn rewards?

5% cashback on bill payments (electricity, water, gas, LPG and broadband), DTH and mobile recharges through Google Pay.

Axis Bank Ace Credit Card product page

What lounge access does the Axis Bank Ace Credit Card include?

4 complimentary domestic airport lounge accesses per year (Set A lounges).

Axis Bank Ace Credit Card product page

What are the transfer ratios for Axis Bank Ace Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageKey Fact Sheet (KFS) / Schedule of Charges – Retail Credit Cards incl. ACE (axis.bank.in)

Verified 2026-08-04 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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