← Part of Axis Credit Cards in India
The Axis Bank ACE Credit Card, launched in October 2020 with Google Pay, offers up to 5% cashback on utility bill payments and recharges. IT provides a 4% cashback on popular services like Swiggy, Zomato, and Ola, making IT ideal for digital-first users in India.
| Parameter | Details |
|---|---|
| Card Type | Cashback Credit Card |
| Issuing Bank | Axis Bank |
| Network | Visa Signature |
| Launch Date | October 12, 2020 (in partnership with Google Pay) |
| Best Suited For | Individuals with high digital transactions, utility bill payments, and online purchases |
| Cashback Rate: Utility Bills & Recharges (Google Pay) | 5% (electricity, internet, gas, DTH, mobile) |
| Cashback Rate: Swiggy, Zomato & Ola | 4% |
| Cashback Rate: All Other Spends (including rent) | 2% (revised from 1.5% in April 2024 for specific categories) |
| Cashback CAP (5% & 4% categories) | ₹500 per month (combined) |
| Fuel Surcharge Waiver | 1% (on transactions ₹400-₹4000, max ₹500 per statement) |
| Complimentary Domestic Airport Lounge Visits | 4 per calendar year |
| Dining Discount | Up to 20% off at 4,000+ partner restaurants in India |
| EMI Conversion Threshold | ₹2,500 or more per transaction |
| Minimum Age for Application | 18 years |
| Maximum Age for Application | 70 years |
| Credit Card Delivery Time | 7-10 working days (after application approval) |
| Annual Fee | ₹499 + GST (occasionally offered as Lifetime Free) |
The card’s cashback structure rewards users significantly for common digital expenditures, particularly when using Google Pay for bill payments, potentially yielding substantial savings on monthly expenses.
ACE Credit Card: Cashback & Rewards
The Axis Bank ACE Credit Card offers up to 5% cashback on specific digital transactions, making IT a strong option for utility bill payments and online food/cab services. As of 2026, the card provides a base cashback rate of 1.5% on all other spends, including rent payments.
| Category | Cashback Rate | Details |
|---|---|---|
| Utility bill payments & recharges via Google Pay | 5% | Includes electricity, internet, gas, DTH, and mobile recharges. Applicable only when processed via the Google Pay Android app. |
| Swiggy, Zomato, & Ola spends | 4% | Applicable on food delivery and cab services. |
| All other spends (online & offline) | 2% | Includes rent payments. No maximum capping on cashback for this category. |
| Fuel purchases | 1% fuel surcharge waiver | Valid on transactions between ₹400 to ₹4,000. Maximum benefit of up to ₹500 per statement. |
| EMI transactions | No cashback | Purchases converted into EMI do not earn cashback. |
| Wallet loading transactions | No cashback | Transactions for loading digital wallets do not earn cashback. |
| Cash advances | No cashback | Cash withdrawals do not earn cashback. |
| Payment of outstanding balances | No cashback | Payments towards card outstanding balances do not earn cashback. |
| Payment of card fees and other card charges | No cashback | Payments for card fees and other charges do not earn cashback. |
| Utility bill payments, DTH and mobile recharges via platforms other than Google Pay | No cashback | Cashback is only applicable when these transactions are processed via the Google Pay Android app. |
The card’s cashback structure is designed to maximize savings on common household expenses and digital services, with specific limits on certain high-cashback categories.
ACE Credit Card: Fees & Charges 2026
The Axis Bank ACE Credit Card has a joining fee of ₹499 plus GST, which is waived if you spend over ₹10,000 within 45 days of card issuance. The annual fee, also ₹499 plus GST, is waived for spends exceeding ₹2 lakh in the preceding year, making IT a cost-effective option for active users.
| Metric | Value (₹) | Details |
|---|---|---|
| Joining Fee | 499 + GST | Waived on spending more than ₹10,000 within 45 days of card issuance. |
| Annual Fee (2nd year onwards) | 499 + GST | Waived on annual spends greater than ₹2,00,000 in the previous year. |
| Fuel Surcharge Waiver | 1% | Applicable on transactions between ₹400 to ₹4,000, with a maximum benefit of ₹500 per statement. |
| Cash Advance Fee | 2.5% | Of the withdrawn amount, subject to a minimum fee of ₹500 per transaction. |
| Foreign Currency Mark-up | 3.5% | Of the transaction value for all international transactions. |
| Overdue Penalty / Late Payment Fees | Up to 1,200 | Varies based on the total payment due amount. |
| Over Limit Penalty | 2.5% | Minimum ₹500 of the amount exceeding the credit limit. |
| Cheque Return/Dishonour Fee/Auto-debit Reversal | 2% of payment amount | Minimum ₹450 and maximum ₹1,519 per instance. |
| Railway Ticket Purchase/Cancellation Surcharge | As prescribed | Determined by IRCTC/Indian Railways for relevant transactions. |
| EMI Conversion Fee | N/A | Transactions of ₹2,500 or more can be converted into EMIs without a specific conversion fee. |
Understanding these fees helps cardholders manage their expenses and maximize the cashback benefits offered by the Axis Bank ACE Credit Card.
ACE Credit Card: Eligibility & Documents
To apply for the Axis Bank ACE Credit Card in 2026, applicants must be Indian residents between 18 and 70 years old with a steady income source. The bank assesses factors like age, income, credit score, and existing EMIs during the selection process.
- Nationality: Applicants must be residents of India. Non-Resident Indians (NRIs) are generally not eligible for this specific card.
- Age Criteria: The primary cardholder’s age must be between 18 and 70 years. Supplementary cardholders can be above 15 years.
- Income Requirement: While no specific minimum income is publicly stated for the ACE card, Axis Bank typically requires a steady source of income. For other Axis credit cards, minimum annual incomes can range from ₹6 lakh to ₹9 lakh.
- Credit Score: A strong CIBIL score, generally above 750, significantly improves approval chances and may lead to better credit limits.
- Employment Status: Both salaried and self-employed individuals are eligible, provided they meet the income and age criteria.
- Required Documents: Applicants need to submit identity proof (PAN Card, Aadhaar card, Passport, Voter’s ID) and address proof (Aadhaar, Driver’s License, Utility Bills). Income proof like salary slips or IT Returns may also be required.
- Existing Relationships: Having an existing banking relationship with Axis Bank, such as a savings account or fixed deposit, can sometimes streamline the application process.
- Fixed Deposit Requirement: Unlike some other Axis Bank cards (e.g., Insta Easy Credit Card requiring a ₹20,000 FD), the ACE Credit Card does not typically require a fixed deposit.
Meeting these criteria increases the likelihood of approval for the Axis Bank ACE Credit Card, which focuses on cashback for digital transactions and utility payments.
ACE Credit Card: Benefits & Advantages
The Axis Bank ACE Credit Card offers significant value-back, particularly on digital transactions, with a 5% cashback rate on utility bill payments and recharges via Google Pay as of 2026. This card also provides a 1% fuel surcharge waiver and complimentary domestic airport lounge access, everyday savings and travel convenience.
- Accelerated Cashback on Utilities: Cardholders receive 5% cashback on utility bill payments (electricity, internet, gas) and DTH/mobile recharges made through Google Pay, a category often excluded by other cards.
- Dining Discounts: Enjoy up to 20% off at over 4,000 partner restaurants across India, providing substantial savings on dining expenses.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is available on transactions between ₹400 and ₹4,000 at all fuel stations nationwide, with a maximum benefit of ₹500 per statement.
- Complimentary Lounge Access: The card includes up to 4 complimentary visits to domestic airport lounges per calendar year, adding a premium travel benefit.
- Cashback on Everyday Spends: Earn 2% cashback on all other transactions, including rent payments, ensuring consistent savings across various spending categories.
- EMI Conversion Option: Any transaction of ₹2,500 or more can be converted into EMIs, offering flexibility in managing larger purchases.
- Google Pay Integration: The card’s partnership with Google Pay allows users to maximize cashback by adding billers directly, triggering higher cashback rates on routine expenses.
These benefits position the Axis Bank ACE Credit Card as a strong option for individuals seeking substantial savings on digital payments and lifestyle perks in 2026.
ACE vs SBI Cashback Card: Comparison
The Axis Bank ACE Credit Card and SBI Cashback Card are popular choices for cashback in India, each offering distinct reward structures. As of 2026, the Axis ACE card focuses on utility bills and specific merchant spends, while the SBI Cashback card provides broader online transaction benefits.
| Feature | Axis ACE Card | SBI Cashback Card |
|---|---|---|
| Primary Focus | Cashback on utility bills (Google Pay), food delivery (Swiggy, Zomato), cab rides (Ola), and other spends. | Cashback on all online spends and offline spends. |
| Cashback Rate (Online) | 5% on utility bills & recharges via Google Pay; 4% on Swiggy, Zomato & Ola. | 5% on all online transactions (except excluded categories). |
| Cashback Rate (Offline/Other Spends) | 1.5% on other spends (unlimited). | 1% on offline spends. |
| Cashback CAP | ₹500 per statement cycle on 5% and 4% cashback categories. | ₹5,000 cashback per cycle on both online and offline spends. |
| Annual Fee | ₹499 + GST. | ₹999 + GST. |
| Annual Fee Waiver | Waived if you spend ₹2 lakh in a year. | Waived on spending ₹2 lakh or more in the previous year. |
| Lounge Access | 4 complimentary domestic airport lounge visits per year. | No complimentary airport lounge access. |
| Welcome Benefits | No welcome benefits. | No welcome benefits. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver (max ₹500/statement) on transactions between ₹400 to ₹4000. | 1% fuel surcharge waiver (common on most SBI cards, verify with lender). |
| Dining Offers | Up to 20% off at 4,000+ partner restaurants. | Not explicitly mentioned as a primary feature. |
The Axis ACE card provides higher cashback on specific digital transactions and includes lounge access, while the SBI Cashback card offers a higher overall cashback CAP on online spends.
ACE Credit Card: Application Process
Applying for the Axis Bank ACE Credit Card in 2026 is a straightforward process, available both online and at Axis Bank branches. Approved applicants typically receive their card within 7-10 working days.
The selection process considers age, income, credit score, and employment type, with primary cardholders needing to be between 18 and 70 years old.
- Online Application: Visit the official Axis Bank website or a partner portal to fill out the application form. This method offers convenience and faster processing.
- Branch Application: Visit your nearest Axis Bank branch to apply in person. A bank representative will assist you with the form and document submission.
- Document Submission: You must provide a PAN Card and a government-approved photo ID proof such as an Aadhaar card, Driver’s License, or Passport. Income proof may also be required.
- Eligibility Check: Ensure you meet the criteria of being an Indian resident, aged 18-70 years, with a steady income source. The bank assesses your credit profile for approval.
- Application Review: Axis Bank reviews your application based on factors like your CIBIL score, existing EMIs, and residential status. A strong credit history improves approval chances.
- Card Delivery: If your application is approved, the Axis Bank ACE Credit Card will be dispatched and delivered to your registered address within 7-10 working days.
Key Takeaways
- The Axis Bank ACE Credit Card offers 5% cashback on utility bill payments via Google Pay (2026).
- Cardholders receive 4 complimentary domestic airport lounge visits per calendar year.
- A 1% fuel surcharge waiver is available on transactions between ₹400 and ₹4000, up to ₹500 per statement.
Check your eligibility and apply for the Axis Bank ACE Credit Card through the official Axis Bank website or at any branch.
Frequently Asked Questions (FAQs)
What are the main cashback benefits of the Axis Bank ACE Credit Card in 2026?
The Axis Bank ACE Credit Card offers 5% cashback on utility bill payments and mobile recharges made via Google Pay. You also get 4% cashback on spends at Swiggy, Zomato, and Ola. All other spends earn a base cashback of 1.5%.
What is the annual fee for the Axis Bank ACE Credit Card in 2026?
The Axis Bank ACE Credit Card typically has an annual fee of ₹499, plus applicable taxes. This fee is waived if your annual spends exceed ₹2 lakh in the previous year. Some special offers may provide IT as Lifetime Free (LTF).
What are the eligibility criteria for the Axis Bank ACE Credit Card in India?
To be eligible for the Axis Bank ACE Credit Card, you must be a resident of India, aged between 18 and 70 years. Your CIBIL score should generally be above 750 for higher approval chances. Axis Bank reserves the final right to approve or decline applications.
Does the Axis Bank ACE Credit Card offer lounge access in 2026?
No, the Axis Bank ACE Credit Card does not offer complimentary domestic or international airport lounge access. This card focuses primarily on cashback rewards for everyday spending categories. For lounge benefits, you might consider other Axis Bank cards like Magnus or Atlas.
What is the fuel surcharge waiver on the Axis Bank ACE Credit Card?
The Axis Bank ACE Credit Card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at all fuel stations across India. The maximum benefit for this waiver is capped at ₹500 per statement cycle. This helps save on regular fuel expenses.
Can I convert large purchases into EMIs with the Axis Bank ACE Credit Card?
Yes, you can convert transactions of ₹2,500 or more into EMIs with the Axis Bank ACE Credit Card. You need to contact Axis Bank to avail this facility after making the purchase. This feature helps manage larger expenses more affordably.
How does the Axis Bank ACE Credit Card compare to other cashback cards in India?
The Axis Bank ACE Credit Card stands out with its 5% cashback on utility bills and mobile recharges, a category often overlooked by other cards. Its 1.5% base cashback is also competitive compared to the 1% or less offered by many entry-level cards. For example, IT often competes with the SBI Cashback Card for digital spends.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.