Axis Bank ACE Credit Card
Fees
₹499 + Taxes
Joining & AnnualReward Rate
5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola; 1.5% on other retail spends
Welcome Bonus
Direct cashback applied to your inaugural billable transaction cycle post activation
Lounge Access
4 Domestic/yr
FindMyCard Expert Take
Axis ACE pairs well with Google Pay: 5% cashback on utility bills paid through the app, 4% on Swiggy, Zomato and Ola, and 1.5% on everything else. At a ₹499 fee with 4 domestic lounge visits included, it's a solid everyday cashback card for Google Pay users specifically.
Pros & Cons
Key Advantages
- 5% cashback on mobile recharges, electricity, internet and other utilities via Google Pay
- 4% cashback on Swiggy, Zomato and Ola
- 4 complimentary domestic lounge visits per year across India
Limitations
- The 5% utility rate only applies to payments made through the Google Pay app
- No international lounge access, domestic only
Editorial Verdict
The Axis Bank ACE Credit Card is ideally suited for utility bills payments via google pay & general everyday cashback optimization. If you want 5% cashback on google pay utilities; 4% on swiggy, zomato & ola; 1.5% on other retail spends, this card delivers real value. The ₹499 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good to Excellent (740+), stable verified employment income matching standard parameters credit to be approved.
Key Perks & Spending Milestones
Flat 5% direct cashback on utility bills, DTH recharges, and mobile top-ups processed on Google Pay
Flat 4% cashback tracking automatically across food delivery and rides via Swiggy, Zomato, and Ola
Flat 1.5% cashback applied universally across all external online and offline everyday card expenditures
4 complimentary domestic lounge visits per year within India (1 per calendar quarter) (Requires ₹50,000 spend in previous 3 months)
1% fuel surcharge waiver valid across all computerized stations for billing weights ₹400–₹4,000
🚀 Milestone Spends Timeline
Annual subscription fee completely reversed for the subsequent cycle upon reaching ₹2 Lakhs in annual retail spends
Fees & Charging Rates
Annual Fee Waivers
₹499 + Taxes
💡 Annual fee waived on ₹2 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
Eligibility Criteria
Compare Axis Bank ACE Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Axis Bank ACE Credit Card This Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends; 1% cashback on offline spends | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| ICICI Amazon Pay Credit Card | Free | 5% on Amazon (Prime members); 3% (non-Prime); 2% on Amazon Pay... | No Lounge Access | 4.5/5 |