Axis Bank ACE Credit Card
Developed in partnership with Google Pay, the Axis Bank ACE Credit Card is a versatile everyday payment card. It provides 5% cashback on electricity, gas, and DTH bills paid via Google Pay, 4% on partner apps like Swiggy, Zomato, and Ola, and a flat 1.5% unlimited cashback on standard offline card swipes, outperforming standard 1% market rates.
Why We Recommend The Axis Bank ACE Credit Card
A powerhouse everyday swipe companion with one of the strongest offline base cashback percentages in India.
Everyday spenders who want a strong flat offline swipe rate and Google Pay utility savings.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Axis Bank ACE Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹1.00 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Axis Bank ACE Credit Card
Zero hidden costs. Complete fee schedule verified with AXIS Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Axis Bank ACE Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary domestic airport lounge visits per calendar year (1 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Axis Bank ACE Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Flat 1.5% unlimited cashback on offline POS swipes (higher than 1% market standard).
5% cashback on utility bills paid through Google Pay on Android.
4% cashback on Ola, Swiggy, and Zomato.
Pros & Cons of the Axis Bank ACE Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- One of the best flat offline swipe cashback rates (1.5%) in the entry-level segment.
- Automatic monthly credit directly reduces the credit card statement balance.
- Easily waived ₹499 fee with initial ₹10,000 spend.
Things to Consider (Cons)
- 5% utility cashback requires Google Pay (suboptimal experience on iOS).
- Monthly cap of ₹500 on Google Pay utility category.
- Lounge access gated by ₹50,000 quarterly spend condition.
Who Can Apply for the Axis Bank ACE Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
710+ Score Recommended
Applicants with a credit score of 710 or higher enjoy fast-tracked approval and preferential credit limits from AXIS Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Axis Bank ACE Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from AXIS Bank
Compare rewards, annual fees, and airport lounge perks across alternative options.
Airtel Axis Bank Credit Card
A dedicated household savings tool, the Airtel Axis Bank Credit Card delivers exceptional returns on recurring monthly expenses. It offers 25% cashback on Airtel mobile, Wi-Fi, and DTH recharges, 10% on utility bills (electricity, water, piped gas) settled via the Airtel Thanks app, and 10% on grocery and food delivery platforms including Swiggy, Zomato, and BigBasket.
Axis Bank ATLAS Credit Card
The premier choice for travel enthusiasts and points-and-miles optimizers across India. The ATLAS card converts its currency, EDGE Miles, into international frequent flyer programs (Singapore Airlines Krisflyer, Qatar Airways Privilege Club) and hotel partners (Accor Live Limitless) at an industry-leading 1:2 ratio, unlocking effective returns between 4% and 10% on flights and stays.
Axis Bank Burgundy Private Credit Card
The premier private wealth card in India, crafted in metal and issued Lifetime Free to clients maintaining ₹5 Crore+ in Total Relationship Value with Axis Bank Burgundy Private. It features true 0.00% foreign exchange markup, unlimited global lounge access with unlimited guest entry, and an uncapped 5:4 partner airline miles transfer ratio.
Ready to Apply for the Axis Bank ACE Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AXIS Bank with 100% paperless verification and zero score impact.