Axis Bank ACE Credit Card on School & college fees

How it works

Google Pay 5% only for bills and recharges paid by this card inside Google Pay on Android. Paying Airtel/Jio directly earns nothing. Instamart isn't named, so treat it as 1.5%. Electricity 5% only when paid through Google Pay on Android.

Caps & rules

• 5% on bills and recharges paid through Google Pay (Android) and 4% on Swiggy, Zomato and Ola share one cap of ₹500 per statement.
• 1.5% elsewhere is uncapped.
• Axis-wide from 28 Aug 2026: no rewards on tolls; DCC markup 3.5% (2% on Magnus).

Reward limits

• 5% on bills & recharges via Google Pay and 4% on Swiggy, Zomato & Ola (one shared cap): max ₹500 per statement
• 1.5% on all other spends: No limit

No rewards on

Utility and telecom spends outside Google Pay, rent, wallet, gift cards, government, insurance, gold/jewellery, fuel, tolls (from 28 Aug 2026), EMI