Read the full review of Axis Bank ACE Credit Card. Get 5% cashback on bill payments via Google Pay, 4% on Swiggy, Zomato & Ola, 1.5% unlimited cashback, lounge access, fuel surcharge waiver, and dining discounts.
Axis Bank ACE Credit Card Review – Full Details
The Axis Bank ACE Credit Card is one of the most rewarding credit cards in India for everyday spending. With 5% cashback on essential bill payments and 4% on food delivery and cab rides, this card is designed for those who want maximum value from their daily expenses. Let’s explore its fees, charges, rewards, and benefits in detail.
Fees and Charges
- Joining Fee: ₹499 + taxes
- Annual Fee: ₹499 + taxes (waived on annual spends of ₹2,00,000 or more)
- Cash Withdrawal Fee: 2.5% of the withdrawn amount or ₹500 (whichever is higher)
- Finance Charges: 3.75% per month (45% annually)
- Late Payment Fee: Up to ₹100 depending on the amount due
- Foreign Currency Markup Fee: 3.5%
👉 The fee waiver condition makes this card almost free to hold if you spend regularly.
Key Benefits of Axis Bank ACE Credit Card
1. 5% Cashback on Bill Payments via Google Pay
Earn 5% cashback on paying electricity, gas, DTH, internet, and mobile recharge bills using Google Pay with the ACE card. Since these are unavoidable monthly expenses, this feature provides huge savings.
2. 4% Cashback on Food Delivery & Rides
Get 4% cashback on Swiggy, Zomato, and Ola spends. Ideal for frequent food delivery and cab ride users.
3. 1.5% Unlimited Cashback on All Other Spends
Enjoy 1.5% flat cashback on all other transactions (online and offline) with no capping. This makes the ACE Credit Card a true all-rounder card.
👉 Note: The maximum cashback per month in the 5% and 4% categories is capped at ₹500.
Travel & Lifestyle Benefits
- Airport Lounge Access: 4 complimentary domestic lounge visits every year (1 per quarter). To qualify, you need to spend ₹50,000 in the previous quarter.
- Fuel Surcharge Waiver: 1% waiver on fuel spends between ₹400 and ₹4,000. Save up to ₹500/month (₹6,000/year).
- Dining Delights: Up to 15% discount at 4,000+ partner restaurants across India.
Additional Features
- Easy EMI Conversion: Convert purchases above ₹2,500 into affordable EMIs.
- High Approval Chances: Salaried professionals with a stable income have better chances of quick approval.
Eligibility Criteria
- Minimum Age: 18 years and above
- Must have a PAN Card
- Valid Identity & Address Proof
- Stable monthly income (salaried or self-employed)
Final Verdict
The Axis Bank ACE Credit Card is perfect if you want a budget-friendly card with high cashback benefits on essentials.
✔ 5% cashback on bill payments via Google Pay
✔ 4% cashback on Swiggy, Zomato, Ola
✔ 1.5% unlimited cashback on all other spends
✔ Extra perks like lounge access, fuel waiver, and dining discounts
With an annual fee of just ₹499 (easily waived), the ACE Card offers excellent long-term value.
If your goal is maximum cashback on everyday expenses, the Axis Bank ACE Credit Card is one of the best options in India.
✅ Apply for Axis Bank ACE Credit Card today and start earning guaranteed cashback on all your spends!