Axis Bank ACE Credit Card
AXIS · VISA★4.5/ 5
✓ Details last verified 1 Jan 2025
↻ Hover or tap the card to flip
The Axis ACE is the best flat-rate cashback card in India for everyday spenders. Its 5% cashback on utility bills (Airtel, Jio, electricity) and 4% on Swiggy/Zomato/Ola make it the top mid-tier cashback pick for 2025-26. Lifetime free with no minimum redemption threshold.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Utility Bills | cashback | 5% | — |
| OTT & Entertainment | cashback | 5% | — |
| Dining | cashback | 4% | — |
| Online Shopping | cashback | 4% | — |
| Other | cashback | 2% | — |
Utility Bills: 5% cashback on utility bill payments via GPay · Google Pay
OTT & Entertainment: 5% cashback on OTT subscriptions
Dining: 4% cashback on dining
Online Shopping: 4% cashback on online shopping
Other: 2% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Who is this card for?
- 🌱Entry tier — great for first-time and lower-spend users.
- 🎯Strongest value if you spend heavily on Utility Bills (5% back).
👍 Pros
- ✓5% cashback on utility bills via Airtel Bill Pay & Google Pay
- ✓4% cashback on Swiggy, Zomato, and Ola — uncapped
- ✓Lifetime free, no minimum redemption threshold
- ✓1% cashback on all other spends
👎 Cons
- ✕No lounge access
- ✕Cashback credited monthly, not instantly
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
Frequently asked questions
What is the annual fee for the Axis Bank ACE Credit Card?+
This card is lifetime free — there is no joining or annual fee.
What is the foreign currency markup?+
The forex markup is 3.50% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 250 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 18 years old with a minimum income of Rs 15000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the Axis Bank ACE Credit Card are taken from AXIS's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
Similar & related cards
Other cards worth comparing before you apply.
Axis Bank Neo Credit Card
Same tier with similar rewards
HDFC PIXEL Play Credit Card
Comparable HDFC option
Kotak 811 #DreamDifferent Credit Card
Comparable KOTAK option
AU Altura Credit Card
Comparable AU option
RBL Bank Fun+ Credit Card
Comparable RBL option
Amazon Pay ICICI Bank Credit Card
Comparable ICICI option
Read more
Guides and reviews related to this card.
Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- 📉 Reward rate changeEffective 1 Jul 2025
Axis ACE 5% cashback on utility bill payments now restricted to Airtel recharges and broadband. Other utility payments (BESCOM, other electricity boards) earn 2% cashback.
5% cashback on all Airtel and BESCOM bill payments via Google Pay/PhonePe→5% cashback on Airtel bill payments only; 2% on all other utility payments via Google Pay/PhonePe
Want to know if this beats your current card for your spending?