Axis Bank ACE Credit Card
Fees
₹499 + Taxes
Joining & annual
Reward 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
4 Domestic/yr
Our 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.
Reward limits
Checked 27 Sep 2026 · Bank terms
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5% on bills & recharges via Google Pay and 4% on Swiggy, Zomato & Ola (one shared cap)
Max ₹500 per statement
Reached after about ₹10,000 to ₹12,500 of spend
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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
Where this card earns most
Paying directly in the app or site · 1.5% on other spends
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
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
Spend milestone
Annual subscription fee completely reversed for the subsequent cycle upon reaching ₹2 Lakhs in annual retail spends
Fees & Charges
Joining fee
₹499 + Taxes
Annual fee
₹499 + Taxes
Annual fee waived on ₹2 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
Eligibility Criteria
Credit score & income
Good to Excellent (740+), stable verified employment income matching standard parameters
Frequently Asked Questions
Was Axis Bank ACE affected by Axis's 2026 devaluations?
How many lounge visits does Axis ACE offer?
Is Axis ACE a good starter cashback card?
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, capped ₹2,000/statement cycle; 1%... | 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 |