Axis Bank credit card

Axis Bank ACE Credit Card

India’s most rewarding card for bill payments and food delivery.

VisaCashback and FirstCashback

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Credofly overview

Is Axis Bank ACE Credit Card right for you?

Axis ACE is a rare cashback card that delivers real savings on bills, food, and everyday spends. For a low annual fee that can be waived, this is arguably the most powerful daily use card for young earners and families.

Best forOffline Shopping, Online Shopping, Utilities, Dining, Grocery, Food Delivery, Department Stores, and Bill Payments

Annual fee₹499 + GST

WaiverWaived on ₹2,00,000 spend in previous year

Forex markup3.5% + GST

5% cashback on bill payments and recharges via Google Pay, 4% on Swiggy, Zomato, and Ola, and 2% on all other spends.

What it costs

Fees & charges

Joining fee₹499 + GST

Annual fee₹499 + GST

Annual fee waiverWaived on ₹2,00,000 spend in previous year

Forex markup3.5% + GST

Fuel surcharge1% waiver on fuel spends ₹400–₹4,000 (max ₹500/month)

Reward redemption feeNil (cashback is auto-adjusted)

Late payment fee₹500–₹1200 based on balance

Interest rate3.6% per month (43.2% p.a.)

Cash advance2.5% or ₹500, whichever is higher

Earning & redeeming

Rewards, made clear

5% cashback on bill payments via Google Pay (electricity, DTH, mobile, gas)
4% cashback on Swiggy, Zomato, and Ola
2% cashback on all other eligible spends
No cashback cap on 2% category
Cashback is auto-adjusted in the monthly statement

How you can redeem

Cashback is auto-credited to the statement within the next billing cycle

Reward exclusions to know

EMI Transactions, Insurance, Wallet, Rent, Fuel, Government Spends, and Tax Payments

Cashback not applicable on fuel spends, rent payments, insurance, and wallet loads. No cashback on EMI or government transactions.

Beyond rewards

Benefits that matter

Welcome offer

No specific welcome offer currently, but often available via bank campaigns

Milestone benefits

Annual fee waived on spending ₹2,00,000 in the previous year

Renewal benefits

Annual fee waiver on ₹2L spend

Card benefits

5% cashback on bill payments and recharges via Google Pay
4% on top platforms: Swiggy, Zomato, Ola
2% flat cashback on all other spends
Auto-adjust cashback — no redemption needed
4 complimentary domestic lounge accesses per year (1/quarter)
1% fuel surcharge waiver

Lifestyle & travel

lounge domestic

Our independent take

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.

Bottom line

Axis ACE is India’s best card for everyday use. With high cashback on bills, food, and rides, no redemption fuss, and easy fee waiver — it’s perfect for anyone who wants effortless savings. If you spend ₹15,000+ per month on essentials, this card will practically pay for itself. From value to convenience, this is a top recommendation by Credofly

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.

Strengths

5% cashback on bill payments via Google Pay
4% cashback on Swiggy, Zomato, and Ola
2% flat cashback on all other spends, no cap

Watch-outs

Cashback limited to GPay for utility bills
No cashback on wallet, fuel, rent, or insurance
₹2L annual spend needed for fee waiver

Before you apply

Eligibility & application

Eligibility

Age: 18–60 years
Indian resident
Stable income (₹3L+ per annum)
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

Your questions answered

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.

From cardholders

User reviews

5.0

No Title

28/02/2025

Anonymous