Axis Bank Ace Credit Card Review 2024
Comprehensive guide to Axis Bank Ace Credit Card - India's best cashback card for bill payments and food delivery with 5% cashback on utility bills and lifetime free benefits.
Axis Bank Ace Credit Card
Get 5% cashback on bill payments, 4% on food delivery, and enjoy lifetime free benefits with no annual fee
The Axis Bank Ace Credit Card is designed for smart spenders who want to maximize cashback on everyday expenses. With 5% cashback on utility bill payments through Google Pay and 4% cashback on Swiggy and Zomato, this card is perfect for millennials and digital-first consumers.
The card is lifetime free with no annual fee, making it an excellent choice for those looking to earn cashback without any maintenance costs. Plus, you get a ₹500 welcome bonus on spending ₹10,000 within 45 days of card issuance.
Expert Tip: If you regularly pay utility bills and order food online, this card can save you ₹3,000-5,000 annually. Use our Credit Card Value Calculator to estimate your potential savings.
Cashback Rewards
5% Cashback on Bill Payments
On utility bills paid through Google Pay (up to ₹500/month)
4% Cashback on Food Delivery
On Swiggy and Zomato orders (up to ₹400/month)
2% Cashback on Other Spends
On all other purchases (up to ₹400/month)
Additional Benefits
- Lifetime free with no annual fee
- Welcome bonus: ₹500 cashback on spending ₹10,000 in 45 days
- Fuel surcharge waiver of 1% (₹400 per transaction)
- Complimentary airport lounge access (4 visits per year)
- Zero liability on lost card transactions
- EMI conversion on purchases above ₹2,500
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Lifetime Free) |
| Interest Rate (APR) | 3.5% per month (42% p.a.) |
| Cash Advance Fee | 2.5% (Min ₹500) |
| Late Payment Fee | Up to ₹1,300 |
| Over Limit Fee | ₹500 |
| Foreign Currency Markup | 3.5% |
*This card is lifetime free with no joining or annual fee charges.
- Age: 21 to 60 years
- Income: Minimum ₹15,000 per month
- Credit Score: 700+ (check your Credit Score)
- Employment: Minimum 1 year work experience
- Residence: Indian resident
- 1
Click Apply Now
Click the "Apply Now" button and you'll be redirected to Axis Bank's secure application page
- 2
Fill Application Form
Enter your personal, employment, and income details
- 3
Upload Documents
Upload PAN card, Aadhaar, income proof, and recent photograph
- 4
Instant Approval
Get instant approval decision based on your credit profile
- 5
Receive Card
Card delivered to your address within 7-10 working days
Documents Required
- • PAN Card (mandatory)
- • Aadhaar Card / Passport / Voter ID
- • Latest 3 months salary slips / ITR for last 2 years
- • Latest 3 months bank statements
- • Recent passport-size photograph
"Perfect card for bill payments! I save ₹300-400 every month just from utility bills and food orders. The cashback is instant and the card is truly lifetime free."
"Got instant approval and card in 6 days. The 4% cashback on Swiggy/Zomato is amazing. Also got ₹500 welcome bonus after spending ₹10k."
"Good card but cashback has monthly caps. Still worth it for the lifetime free benefit and decent rewards on everyday spends."
Is the Axis Bank Ace Credit Card truly lifetime free?
Yes, the card is completely lifetime free with no joining fee or annual fee. There are no conditions or minimum spend requirements to keep it free.
What are the cashback limits?
The cashback is capped at ₹500/month for bill payments (5%), ₹400/month for food delivery (4%), and ₹400/month for other spends (2%). Total maximum cashback is ₹1,300 per month.
How is the cashback credited?
Cashback is credited to your card account within 90 days of the transaction. It can be used to offset your credit card bill or for future purchases.
What is the minimum credit score required?
A credit score of 700 or above is recommended for approval. Check your Credit Score for free before applying.
Can I get airport lounge access with this card?
Yes, you get 4 complimentary domestic airport lounge visits per year through the Mastercard India Lounge Program.
Instant approval • Paperless process
Axis Bank Customer Care (24x7)