Axis Bank ACE Credit Card
India’s most rewarding card for bill payments and food delivery.
Network: Visa | Type: Cashback and First | Reward: Cashback
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Fees & Charges
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 + GST
- Waiver: Waived on ₹2,00,000 spend in previous year
- Foreign Markup: 3.5% + GST
- Fuel Surcharge: 1% waiver on fuel spends ₹400–₹4,000 (max ₹500/month)
- Redemption Fee: Nil (cashback is auto-adjusted)
- Late Payment Fee: ₹500–₹1200 based on balance
- Interest Rate: 3.6% per month (43.2% p.a.)
- Cash Advance: 2.5% or ₹500, whichever is higher
Credofly Review
Axis Bank ACE Credit Card is a modern cashback powerhouse designed for salaried professionals and urban spenders. Its partnership with Google Pay makes it the go-to card for utility bill payments, offering 5% cashback on recharges and bill payments. Add to that 4% on food delivery platforms like Swiggy & Zomato, and 2% on everything else, and you’ve got a rock-solid everyday card.
The cashback is automatically credited to your statement, with no redemption or tracking required. Plus, the low ₹499 fee is waived on ₹2L spend, making it nearly free for regular users. Its smart reward categories align with real spending behavior, unlike many “reward” cards with only travel/luxury focus.
Rewards & Earnings
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5% cashback on bill payments via Google Pay (electricity, DTH, mobile, gas)
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4% cashback on Swiggy, Zomato, and Ola
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2% cashback on all other eligible spends
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No cashback cap on 2% category
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Cashback is auto-adjusted in the monthly statement
Cashback is auto-credited to the statement within the next billing cycle
Benefits
- Welcome:
No specific welcome offer currently, but often available via bank campaigns
- Milestone:
Annual fee waived on spending ₹2,00,000 in the previous year
- Renewal:
Annual fee waiver on ₹2L spend
- Lifestyle:
lounge domestic
Why We Like It
The Axis ACE card hits the cashback sweet spot — 5% on bills, 4% on food delivery, and 2% on everything else — with no redemption hassle and great utility coverage.
Pros & Cons
✅ Pros
5% cashback on bill payments via Google Pay
4% cashback on Swiggy, Zomato, and Ola
2% flat cashback on all other spends, no cap
❌ Cons
Cashback limited to GPay for utility bills
No cashback on wallet, fuel, rent, or insurance
₹2L annual spend needed for fee waiver
Eligibility & Application
Eligibility:
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Age: 18–60 years
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Indian resident
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Stable income (₹3L+ per annum)
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Decent credit score
How to Apply:
👉 Apply online in 2 minutes via Credofly
✅ Instant eligibility check
✅ 100% digital application with e-KYC
✅ Card dispatched within 5–7 business days
FAQs
How is the cashback credited for Axis ACE?
Cashback is automatically adjusted in the next month’s statement — no manual redemption.
Do I need to pay via Google Pay for all cashback?
Only the 5% bill payment cashback requires using Google Pay. All other spends earn cashback directly.
Is there a cap on cashback?
There’s no cap on 2% category. Bill payment (5%) via GPay may be capped based on Axis discretion or offer conditions.
Does it offer lounge access?
Yes, 4 complimentary domestic lounge accesses per year (1 per quarter).
Is the ₹499 annual fee waived?
Yes, if you spend ₹2L in a year, the next year’s fee is waived.
Are wallet loads and fuel spends eligible for cashback?
No, those categories are excluded from cashback.
Is this the best card for bill payments?
Yes — Axis ACE offers the highest flat 5% cashback on utility bills via Google Pay.
Can I apply fully online?
Yes — apply via Credofly, complete e-KYC, and get it delivered in 5–7 days.
User Reviews
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