Card Details
Axis Bank ACE Credit Card
Monzy Score
8/ 10
Very good for lounge-hungry travellers.
Strong ~5% back in its core category; high 3.5% forex markup.
Card Issuer
Axis Bank
Joining Fee
₹499
Annual Fee
₹499
Reward Type
Cashback
Card Access
Standard
Changes to this card
Offers from Axis Bank
See all8% instant discount up to ₹4,500* on Flipkart
Shopping Deals · till 12 Sep 2026
Get instant discount up to ₹15,000* at Apple authorised reseller stores
Electronics Deals · till 26 Sep 2026
Instant discount up to ₹15,000 at Apple
Electronics Deals · till 30 Sep 2026
Flat 25% discount up to ₹7,500 on Yatra
Travel Deals · till 30 Sep 2026
Earn up to 20%* rewards on your international spends on Visa
Bonus & Reward Offers · till 30 Sep 2026
Earn Points
5%
Utility bills & mobile/DTH recharges via Google Pay Android app (shared ₹500 monthly cap with 4% category)
4%
Swiggy, Zomato & Ola spends (shared ₹500 monthly cap with 5% category)
1.5%
All other eligible card spends (no cap)
1.5%
Cashback on other spends
Benefits
5% cashback on Google Pay bills (Android only)
- High cashback on everyday digital spends
- 5% on Google Pay utility bills & recharges
- 4% on Swiggy, Zomato & Ola
- 1.5% on other spends with no cap
- ₹500 monthly cashback cap on 5%/4% categories
- No cashback on fuel, rent, wallet loads, EMI spends
4 domestic lounge visits after ₹50k recent spend
- Entry-level card with lounge access
- 4 complimentary domestic airport lounge visits per year
- Benefit requires ₹50k spend in prior 3 months
- No international lounge access
₹499 fee with easy waiver options
1% fuel surcharge waiver
Up to 15% off at 4,000+ restaurants
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet_load, emi, insurance, gold_jewellery, education, government
Estimated Returns
Utility bills, DTH & mobile recharge via Google Pay
5% category shares a single Rs 500/mo cap with the 4% Swiggy/Zomato/Ola category. Pay-with-card via Google Pay is Android only.
₹500
Swiggy, Zomato & Ola
4% shares the same Rs 500/mo cap with the 5% Google Pay bills category.
₹500
All other eligible spends
Uncapped base cashback. Base rate is 1.5% (post-devaluation from 2%).
₹113
Total Annual Return
₹13,350
3.71% Effective ROIWhat Users Are Saying
Community Feed
Jul 2024
“Is Axis Ace a good card?”
by r/CreditCardsIndia, Jul 2024
“Is the axis ace credit card worth going for?”
by r/CreditCardsIndia, May 2026
“AXIS ACE credit does it have any significance now?”
by r/CreditCardsIndia, Jul 2025
“Axis Bank launches ACE Credit Card, in collaboration with”
by r/CreditCardsIndia, Jul 2025
“Not many takers for Axis Bank Ace here?”
by r/CreditCardsIndia, Jul 2024
Frequently Asked Questions
The Axis Bank ACE Credit Card charges ₹499 plus GST as a joining fee and the same ₹499 again at renewal. Axis Bank waives the renewal fee if you spend ₹2L in the previous year, which is about ₹16,667 a month. If your card spend sits below that, treat ₹499 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
5% and 4% cashback categories share a ₹500 monthly cap.
Accelerated Google Pay cashback is available only via the Android app; iOS earns the base rate.
No cashback on fuel, rent, wallet loads, EMIs, cash advances, jewellery, insurance, or card fee payments.
Complimentary lounge visits require ₹50,000 spend in the preceding 3 months.
