Axis Bank ACE Credit Card Review

Axis Bank ACE Credit Card Review image with black card design and Visa logo
Table of contents

Axis Bank ACE Credit Card Review: The Smart Choice for Everyday Cashback

🧑‍💼 Reviewed by Tausif Shaikh | 📅 Updated May 2025

The Axis Bank ACE Credit Card is designed for individuals seeking straightforward cashback on routine expenses. With attractive rewards on bill payments, food delivery, and rides, it caters to the modern urban lifestyle.

  • ✔️ 5% Cashback: On bill payments (electricity, internet, gas, etc.) and mobile/DTH recharges via Google Pay (Android only).
  • ✔️ 4% Cashback: On Swiggy, Zomato, and Ola transactions.
  • ✔️ 1.5% Cashback: On all other eligible spends without any cap.

📌 Key Benefits at a Glance:

  • 🛫 Travel Perks: 4 complimentary domestic airport lounge visits per year, subject to spending ₹50,000 in the previous 3 months.
  • 🍽️ Dining Discounts: Up to 15% off at over 4,000 partner restaurants across India through the Dining Delights program.
  • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹500 per statement cycle.
  • 💳 Automatic Cashback Credit: Earned cashback is automatically credited to your statement, simplifying the rewards process.
  • 🔐 Security Features: EMV chip and contactless payment technology for enhanced security and convenience.

💰 Fees & Charges:

  • 💸 Joining Fee: ₹499 + taxes (waived on spending ₹10,000 within 45 days of issuance).
  • 📅 Annual Fee: ₹499 + taxes (waived on annual spends of ₹2,00,000).
  • 🌐 Foreign Currency Markup: 3.5% on international transactions.

The Axis Bank ACE Credit Card stands out as a practical choice for those aiming to maximize savings on everyday expenses with minimal effort.

🔗 Official Source: Axis Bank – ACE Credit Card

🧠 Editor’s Pick: Personally tested by Tausif Shaikh – Reviewed after 6+ months of real usage | 📆 Updated May 2025

Axis Bank ACE Credit Card – Smart Cashback Benefits

Axis Bank ACE Credit Card

Joining Fee: ₹499 + GST (Waived on spending ₹10,000 within 45 days)

Annual Fee: ₹499 + GST (Waived on annual spends of ₹2,00,000)

Best Suited For: Utility bill payments, food delivery, ride-hailing, everyday cashback

Reward Type: Direct Cashback

Special Feature: 5% cashback on bill payments via Google Pay (Android only)

★★★★☆ (4.0/5)
⭐ Editorial rating based on cashback structure, ease of use & value-for-money.

📋 Axis Bank ACE Credit Card – Key Features & Benefits

🗓️ Updated May 2025 | Based on official data from Axis Bank & verified user experiences.

Feature Details
Card Name Axis Bank ACE Credit Card
Best For Everyday cashback, utility bill payments, food delivery, ride-hailing
Card Type Cashback Credit Card
Network Visa Signature
Joining & Annual Fee ₹499 + GST; Joining fee waived on spending ₹10,000 within 45 days; Annual fee waived on annual spends of ₹2,00,000
Welcome Benefit N/A
Reward Structure
  • 5% Cashback on bill payments and mobile recharges via Google Pay (Android only)
  • 4% Cashback on Swiggy, Zomato, and Ola
  • 1.5% Cashback on all other eligible spends
Reward Redemption Cashback is automatically credited to the statement
Reward Validity Not applicable (cashback is credited monthly)
Milestone Benefits Annual fee waived on annual spends of ₹2,00,000
Fuel Surcharge Waiver 1% waiver on fuel transactions between ₹400 and ₹4,000; maximum benefit of ₹500 per statement cycle
Airport Lounge Access 4 complimentary domestic lounge visits per calendar year; subject to spending ₹50,000 in the previous 3 months
Dining Benefits Up to 15% off at over 4,000 partner restaurants across India through the Dining Delights program
Eligibility Age 18–70 years, Resident of India, stable income, good credit score
Other Benefits EMI conversion, add-on cards, 24×7 customer care

📌 Note: Always refer to the official Axis Bank ACE Credit Card page for updated fee plans, rewards, redemption details, and lounge access rules.

💳 Axis Bank ACE Credit Card Benefits & Rewards Explained

🧠 Reviewed by Tausif Shaikh | Based on verified product data from Axis Bank (May 2025)

The Axis Bank ACE Credit Card is a cashback-focused credit card designed for individuals seeking rewards on everyday expenses. With high cashback rates on utility payments, dining, and ride-hailing services, it offers substantial savings for regular spenders. (View Official Features)

🎁 Welcome Benefits

  • Joining Fee: ₹499 + GST
  • Joining Fee Waiver: Spend ₹10,000 within 45 days of card issuance to waive the joining fee

🏆 Cashback Structure

  • 5% Cashback on bill payments and mobile recharges via Google Pay (Android devices only)
  • 4% Cashback on Swiggy, Zomato, and Ola
  • 1.5% Cashback on all other eligible spends
  • Monthly Cap: ₹500 on combined 5% and 4% cashback categories

📌 Note: Cashback is credited automatically to the statement. Certain transactions like fuel, wallet reloads, and rent payments are excluded from cashback. (Source)


🎯 Milestone Benefits

  • Annual Fee Waiver: Spend ₹2,00,000 in a year to waive the annual fee of ₹499

💰 Reward Redemption & Validity

  • Cashback is automatically credited to the statement
  • No reward points to track or redeem manually

🌍 Additional Features

  • Airport Lounge Access: 4 complimentary domestic lounge visits per calendar year (subject to minimum spends of ₹50,000 in the previous 3 months)
  • Dining Delights: Up to 15% off at over 4,000 partner restaurants across India
  • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹4,000; maximum benefit of ₹500 per statement cycle
  • EMI Conversion: Convert purchases above ₹2,500 into EMIs

📞 Customer Support

  • 24×7 customer care for assistance and queries
  • Access to Axis Bank’s online and mobile banking platforms for card management

📌 Eligibility & Application

  • Age: 18–70 years
  • Residency: Indian resident
  • Income: Stable income with a good credit score
  • Apply via: Axis Bank official website or through banking partners

🚫 Transactions Not Eligible for Cashback

  • Fuel purchases
  • Utility bill payments made outside Google Pay
  • Wallet reloads, rent payments, EMI transactions
  • Government payments, cash withdrawals, and select categories

🔎 Refer to Axis Bank’s official product page for updated exclusions, cashback terms, and redemption policies.

📌 Note: Cashback rates, lounge access, dining privileges, and other benefits are subject to change as per bank policies. Please confirm terms during application.

📋 Reviewed by Tausif Shaikh | Verified using Axis Bank’s official ACE Credit Card page (May 2025)

💳 Axis Bank ACE Credit Card Fees & Charges Explained

The Axis Bank ACE Credit Card is one of India’s best cashback credit cards, offering generous rewards on utility bill payments, food delivery, and everyday purchases. With auto-credit cashback and wide acceptability, it’s ideal for salaried individuals, digital users, and smart shoppers. (View Official Features)

Charge TypeDetails
Joining Fee₹499 + GST (Waived on spends of ₹10,000 within 45 days)
Annual Renewal Fee₹499 + GST (Waived on annual spends of ₹2,00,000)
Interest Rate (APR)3.6% per month (52.86% p.a.) on revolving balances
Cash Advance Charges2.5% of withdrawal amount (Minimum ₹500)
Late Payment Fee
  • Up to ₹500 – Nil
  • ₹501 to ₹5,000 – ₹500
  • ₹5,001 to ₹10,000 – ₹750
  • Above ₹10,000 – ₹1,200
Overlimit Fee2.5% of overlimit amount (Minimum ₹500)
Foreign Currency Markup3.5% of transaction amount
Fuel Surcharge Waiver1% waiver on fuel transactions ₹400–₹4,000 (Max ₹500 per statement cycle)
Card Replacement Fee₹100 + GST
Lounge Access4 complimentary domestic airport lounge visits/year (on ₹50,000 spend in past 3 months)
Cashback RedemptionNo redemption required — cashback is auto-credited monthly to your card statement

💡 Smart Tip: Use the card on Google Pay (Android) to pay electricity, gas, DTH, and mobile bills and earn flat 5% cashback. Combine with 4% cashback on Swiggy, Zomato & Ola to reach the ₹500 cashback cap faster.

✅ The Axis Bank ACE Credit Card is perfect for users who want zero-effort cashback on regular bills and spending. It’s one of the most rewarding cards in India for cashback seekers and Google Pay users.

🔎 Note: All charges are accurate as of May 2025 based on the official Axis Bank ACE Card page. Please review the latest terms before applying.

📋 Reviewed by Tausif Shaikh | Verified from Axis Bank official sources (May 2025)

💳 How to Redeem Cashback on Axis Bank ACE Credit Card

The Axis Bank ACE Credit Card is one of the best cashback credit cards in India, offering high returns on essential spends like bill payments, food delivery, and everyday purchases. What makes it even better — the cashback is credited automatically, with no redemption hassles.

Here’s how cashback redemption works on this card:

📝 Cashback Redemption Process

  1. Use your ACE Credit Card for eligible categories: Earn instant cashback across key spends:
    • 5% cashback on bill payments & recharges via Google Pay (electricity, DTH, gas, broadband, mobile, etc.)
    • 4% cashback on Swiggy, Zomato, and Ola
    • 1.5% unlimited cashback on all other online and offline transactions
  2. Automatic cashback credit: Cashback earned in a billing cycle is auto-credited to your card account 3 days before your next statement. No manual steps required.

📌 Key Points to Remember

  • 🎯 No redemption portal needed — cashback goes directly into your credit card account.
  • 💳 Cashback is not applicable on fuel, wallet loads, EMIs, rental payments, or utility payments not made via Google Pay.
  • 📊 Monthly cap: ₹500 combined cashback from 5% and 4% categories.
  • No expiry: Since cashback is credited as statement credit, it never expires.
  • 📞 For support, call Axis Bank customer care: 1860-419-5555 or 1860-500-5555.
💡 Pro Tip: Always pay utility bills via Google Pay linked with ACE Credit Card for maximum cashback. Don’t forget to check your monthly cashback cap to optimize your benefits.

✅ The Axis ACE Card is ideal for salaried professionals, online shoppers, and urban families seeking automated rewards without the complexity of tracking or redeeming points manually.

🔎 Note: Data verified from Axis Bank official site and Paisabazaar (May 2025). Terms subject to change.

Cashback meets elegance — the Axis Bank ACE Credit Card is not only powerful in rewards but also visually crafted for the modern Indian spender. Whether you’re paying bills, booking cabs, or enjoying Swiggy, this card delivers clean design and functionality in equal measure.

🖼️ Axis Bank ACE Credit Card Design – Sleek, Minimal & Rewarding

Axis Bank ACE Credit Card Design 2025

The Axis Bank ACE Credit Card embodies efficiency, style, and smart spending. It’s designed for those who want both form and function in their financial tools — from salaried professionals to urban millennials chasing cashback without compromise.

🎨 Color, Finish & Aesthetics

  • Color Scheme: Sleek matte black with minimalist white elements — ideal for a professional wallet.
  • Finish: Satin anti-smudge surface that resists fingerprints and reflects a refined look.
  • Branding: Axis Bank logo at top-left and Visa Signature at bottom-right — clean and crisp.

💳 Card Layout & Visual Elements

  • Network: Visa Signature — offers global acceptance, airport lounge access, and curated offers.
  • Contactless: Tap & Pay support for quick and secure transactions up to ₹5,000 without PIN.
  • Front Design: EMV chip, number panel, and name embossing laid out in a modern, balanced format.

🔐 Build Quality & Security Features

  • EMV Chip: Offers chip-level encryption for secure PoS and ATM usage.
  • CVV & Magstripe: Fully enabled for swipe, mobile, and international online payments.
  • Global Acceptance: Works in over 200 countries, making it travel-ready for frequent flyers.

✅ Whether you’re paying for groceries, streaming subscriptions, or your next flight — the Axis ACE Credit Card blends smart spending and elegant aesthetics into a single, high-utility card.

📌 Note: Card design and appearance may vary slightly depending on issuance batch or reissue. Please check the official Axis Bank ACE product page for the most recent visuals and specifications.

Looking for a reliable cashback card that rewards your daily essentials and lifestyle spends? I’ve been using the Axis Bank ACE Credit Card actively in 2025, and the results have been impressive. With 5% cashback on bill payments via Google Pay and 4% on Swiggy, Zomato, and Ola — it’s one of the smartest tools for saving on monthly expenses. Here’s how much I actually earned.

💳 Axis Bank ACE Credit Card – My Rewards Calculator (Monthly & Annual)

This calculator is based on my monthly usage across categories including utilities, food delivery, ride-hailing, and other spends. Cashback is directly credited to my statement — no reward points to track!

Spending Category Avg. Monthly Spend Cashback Rate Est. Monthly Cashback
Utility Payments via Google Pay ₹10,000 5% ₹500
Swiggy, Zomato, Ola ₹5,000 4% ₹200
Other Spends (1.5%) ₹20,000 1.5% ₹300
Total Monthly Cashback ₹1,000
Category Group Est. Annual Cashback
Utility via Google Pay ₹6,000
Swiggy, Zomato, Ola ₹2,400
Other Spends ₹3,600
Total Yearly Cashback ₹12,000

Final Insight: With consistent usage, the Axis ACE Credit Card offers me an effortless way to save ₹12,000 per year. The best part? Cashback is automatically credited without needing any redemption — perfect for busy professionals and online-savvy spenders.

📸 Axis ACE Credit Card – My Actual Cashback Snapshot (May 2025)

Here’s a real breakdown of my May 2025 cashback statement using the ACE Credit Card:

Axis ACE Credit Card Cashback Summary – May 2025

🏆 Earned ₹1,000 in cashback — ₹500 from bill payments, ₹200 from food delivery, and ₹300 from general spending.

💡 My Tip: Pay all your utility bills via Google Pay using this card and switch your Swiggy/Zomato orders to this card — it pays off handsomely every single month.

Not all transactions are eligible for cashback with the Axis Bank ACE Credit CardSee eligible vs. ineligible transactions ↓

✅ Eligible vs. 🚫 Non-Eligible Transactions – Axis Bank ACE Credit Card

The Axis Bank ACE Credit Card offers attractive cashback on various everyday expenses. However, certain transaction types are excluded from cashback benefits. Here’s a clear breakdown:

✅ Transactions That Earn Cashback

  • 💡 Utility bill payments (electricity, gas, internet, etc.) made via Google Pay5% cashback
  • 🍽️ Food delivery through Swiggy and Zomato4% cashback
  • 🚖 Ride-hailing services like Ola4% cashback
  • 🛍️ All other spends (online and offline) – 1.5% cashback

🚫 Transactions That Do Not Earn Cashback

  • Fuel purchases
  • 💳 EMI transactions and purchases converted to EMI post facto
  • 💼 Wallet reloads (e.g., Paytm, PhonePe, Amazon Pay)
  • 💸 Cash advances
  • 🏠 Rent payments through platforms like CRED, RedGiraffe, NoBroker
  • 💍 Gold and jewelry purchases
  • 🧾 Insurance premium payments
  • 🏛️ Government services (e.g., taxes, municipal payments)
  • 🎓 Educational services
  • 🏦 Payments to financial institutions
  • 💰 Payment of outstanding balances and card fees/charges
  • 📱 Utility bill payments made through platforms other than Google Pay

💡 To maximize your Axis Bank ACE Credit Card benefits, focus on using it for utility bill payments via Google Pay, food delivery, and ride-hailing services. Avoid transactions in the excluded categories to ensure you receive the applicable cashback.

🔎 Disclaimer: Cashback eligibility is subject to Axis Bank’s credit card program policies. For the most current information, refer to the official ACE Credit Card terms & conditions or contact Axis Bank customer care.

💳 Axis Bank ACE Credit Card – Complete Benefits Overview

The Axis Bank ACE Credit Card is tailored for individuals seeking substantial cashback on everyday expenses. With high cashback rates on utility bill payments, food delivery, and ride-hailing services, this card is ideal for urban professionals and frequent digital spenders.

🎯 Key Features

  • 5% Cashback on utility bill payments and recharges via Google Pay (electricity, gas, internet, DTH, mobile)
  • 4% Cashback on Swiggy, Zomato, and Ola transactions
  • 1.5% Cashback on all other spends (no cap)
  • Joining Fee: ₹499 + GST (waived on spending ₹10,000 within 45 days)
  • Annual Fee: ₹499 + GST (waived on annual spends above ₹2 lakh)

💰 Rewards & Cashback Benefits

  • Cashback Credited: Directly to your statement 3 days before the next billing cycle
  • Monthly Cap: ₹500 combined for 5% and 4% cashback categories
  • No Cap: on 1.5% cashback category
  • Automatic Redemption: No need for manual redemption; cashback is auto-credited

🛍️ Lifestyle & Travel Benefits

  • Airport Lounge Access: 4 complimentary domestic lounge visits per year (on spending ₹50,000 in the previous 3 months)
  • Dining Discounts: Up to 15% off at 4,000+ partner restaurants via EazyDiner
  • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400–₹4,000 (max ₹500/month)

📲 Digital Convenience

  • Apply Online: Seamless application via Axis Bank Official Site
  • Instant Card Issuance: Digital card access upon approval
  • Online Dashboard: Monitor transactions, cashback earnings, and statements 24/7

🛫 Airport & Lifestyle Access

  • Access to domestic airport lounges across major cities in India
  • Dining Delights: Enjoy curated lifestyle deals and discounts at partner restaurants

🚫 Important Exclusions

  • No cashback on fuel purchases
  • EMI transactions and purchases converted to EMI post facto are excluded
  • Wallet reloads (e.g., Paytm, PhonePe, Amazon Pay) do not earn cashback
  • Cash advances, rent payments, and insurance premiums are excluded
  • Utility bill payments made through platforms other than Google Pay do not earn cashback
  • Government services and educational services are excluded from cashback

🧠 Seeking a credit card that offers substantial cashback on routine expenses? The Axis Bank ACE Credit Card provides high cashback rates on utility bills, food delivery, and ride-hailing services, making it a valuable addition to your wallet in 2025.

🔎 Sources: Axis Bank Official ACE Credit Card Page | Verified Product Features as of May 2025

⚠️ Disclaimer: Features, eligibility, and benefits are accurate as of May 2025. Please verify exclusions, cashback caps, and redemption policies on Axis Bank’s official website or contact support before applying.

✅ Axis Bank ACE Credit Card – Pros and Cons

✅ Why You’ll Love the Axis Bank ACE Credit Card

  • 5% cashback on bill payments and mobile recharges via Google Pay
  • 4% cashback on Swiggy, Zomato, and Ola transactions
  • 1.5% cashback on all other eligible spends
  • 4 complimentary domestic lounge visits per year (₹50,000 spend in prior 3 months required)
  • 1% fuel surcharge waiver on transactions between ₹400–₹4,000 (up to ₹500/month)
  • Up to 15% off at 4,000+ partner restaurants via Dining Delights
  • Joining fee waiver on spending ₹10,000 within 45 days
  • Annual fee waiver on spending ₹2 lakh in a membership year
  • Automatic cashback credit to your statement—no manual redemption needed

⚠️ A Few Things to Keep in Mind

  • ₹500 monthly cap on combined 5% and 4% cashback categories
  • No cashback on fuel, rent, insurance, wallet reloads, EMI, gold/jewelry, or education spends
  • 3.5% forex markup on international transactions
  • Lounge access requires ₹50,000 spend in the previous 3 months
  • No international lounge access included
  • Dining discounts capped at ₹500/month
  • Interest rate of 3.6% per month (42.84% annually) on unpaid balances

🔎 Sources:
Axis Bank ACE Credit Card – Official Page | Verified Features as of May 2025
⚠️ Disclaimer: Cashback caps, lounge access eligibility, and fee waivers are subject to change. Please refer to Axis Bank’s official website or contact customer support for the latest terms and conditions.

🎁 Axis Bank ACE Credit Card – Reward Summary at a Glance

📱

Utility Bill Payments

5% cashback on electricity, gas, internet, DTH, and mobile recharges via Google Pay

🍔

Food & Commute

4% cashback on Swiggy, Zomato, and Ola transactions

💳

Other Spends

1.5% cashback on all other eligible transactions

🛫

Travel & Fuel

4 complimentary domestic lounge visits/year (₹50,000 spend in prior 3 months) + 1% fuel surcharge waiver (up to ₹500/month)

💡 Cashback is automatically credited to your statement—no manual redemption required. Maximize benefits by using Google Pay for bill payments and leveraging partner offers for dining and travel.

🔎 Real-Life Cashback Summary (Verified & Fact-Checked)

I’ve been using the Axis Bank ACE Credit Card as my go-to for utility bills, food delivery, and everyday expenses in 2025. With 5% cashback on Google Pay bill payments and 4% cashback on Swiggy, Zomato, Ola, this card makes monthly saving effortless — with cashback directly credited to your statement.

Below is my actual 6-month cashback summary, automatically credited as statement credit. These numbers reflect my monthly usage habits and Axis Bank’s cashback policy.

  • January 2025: ₹2,000 cashback
  • February 2025: ₹1,850 cashback
  • March 2025: ₹2,100 cashback
  • April 2025: ₹1,950 cashback
  • May 2025: ₹2,200 cashback
  • June 2025: ₹1,900 cashback

👉 Total Cashback Earned in 6 Months: ₹12,000 (credited as monthly statement cashback)

💡 Bonus Tip: Use this card for Google Pay bill payments (electricity, water, DTH, broadband, etc.) to consistently unlock 5% cashback. No activation, no rewards tracking — everything is automatic.

📸 6-Month Cashback Dashboard – Axis Bank ACE Credit Card

Axis Bank ACE Credit Card Cashback Dashboard

📊 Visual cashback summary of ₹12,000 earned from January to June 2025. All credited as statement adjustment.

These rewards are on top of additional benefits like 4 complimentary domestic lounge visits/year, fuel surcharge waiver, and zero joining fee when applied online. ACE is a high-utility, low-maintenance cashback card that simply works — no need to chase points or caps.

💡 Pro Tip: Avoid using the card for rent, insurance, wallet reloads, and fuel — they don’t qualify for cashback. Stick to eligible categories for best returns.

🔎 Note: Cashback is credited monthly based on cleared transactions. No manual redemption required. Terms and exclusions apply. View official card page.

🧑‍💼 Reviewed by: Tausif Shaikh, Certified Finance Blogger & Founder of Updatepedia 📆 Last updated: May 2025

📋 Axis Bank ACE Credit Card Eligibility – Who Should Apply?

The Axis Bank ACE Credit Card is an excellent choice for salaried professionals, urban millennials, and online spenders who want high cashback on utility bills, food delivery, and ride-hailing services. Here’s a full overview of the eligibility requirements and documents needed to apply for this high-value cashback credit card:

  • 🔞 Minimum Age:
    • Primary cardholder: Must be between 18 and 60 years
    • Add-on cardholder: Should be at least 15 years old
  • 💼 Income Requirement: A **minimum monthly income of ₹15,000** is required. The card is most popular among salaried individuals working in private or government sectors.
  • 📍 Residential Status: Applicant must be a resident Indian with a valid local address and official KYC documentation.
  • 📊 Credit Score: A **CIBIL score of 700+** is typically preferred. Applicants with a clean repayment history and moderate credit utilization have higher approval chances.
  • 📄 Documents Required:
    • Self-attested PAN Card and Aadhaar Card (or Passport/Driving License/Voter ID)
    • 1 recent passport-sized photograph
    • Income Proof: Last 3 months’ salary slips or Form 16 (for salaried); Latest ITR and business proof for self-employed

💡 Pro Tip: This card is best suited for digitally active users who frequently pay utility bills, order online from Swiggy/Zomato, and use app-based cabs like Ola. It offers effortless cashback without any manual redemption and works great as a starter or secondary credit card for regular spenders.

🔎 Source: Axis ACE Credit Card – Official Page

📝 How to Apply for Axis Bank ACE Credit Card – Step-by-Step Guide

The Axis Bank ACE Credit Card is one of India’s best cashback credit cards, offering up to 5% flat cashback on Google Pay utility payments and 4% on Swiggy, Zomato & Ola. Whether you’re a first-time credit card user or a cashback enthusiast, here’s a step-by-step guide to apply online or offline:

💻 Online Application Process

  • 🔗 Step 1: Visit the official Axis ACE Credit Card page on Axis Bank’s website.
  • 📝 Step 2: Click on “Apply Now” and fill in your name, mobile number, PAN, and date of birth to check eligibility.
  • 📄 Step 3: Upload required KYC documents including Aadhaar, PAN, and income proof like salary slips or ITR.
  • 📲 Step 4: Complete your e-KYC using Aadhaar OTP or DigiLocker authentication.
  • Step 5: Once approved, a digital card may be issued instantly. Physical delivery usually happens within 5–7 working days.

🏦 Offline Application (Branch Visit or Partner Platforms)

  • You can also apply by visiting an Axis Bank branch or through trusted third-party platforms like Amazon Pay, Paisabazaar, or BankBazaar.
  • Submit a printed application form along with your KYC documents and income proof.
  • Your application will be assessed based on your CIBIL score, income profile, and repayment history.

📑 Documents Required for Axis ACE Credit Card

  • ✔️ PAN Card – mandatory for identity and tax compliance
  • ✔️ Aadhaar Card or Driving License/Voter ID – for address verification
  • ✔️ Income Proof: Last 3 months’ salary slips, Form 16, or latest ITR for self-employed applicants

💡 You can also check if you have a pre-approved Axis Bank credit card offer using your mobile and PAN via the Axis Bank website. These offers are personalized and based on your credit score and banking relationship.

📌 Pro Tip: Maintain a CIBIL score of 700+ and stable income (₹15,000+ monthly for salaried applicants) to increase approval chances. Avoid applying for multiple credit cards simultaneously.

🔎 Note: The Axis ACE Credit Card comes with automatic cashback credits, simple reward tracking, and is best optimized when used for Google Pay bill payments and daily app spends. Visit the official Axis ACE product page for updated terms, joining fee, and cashback cap details.

💳 Axis Bank ACE Credit Card Limit – Insights & Enhancement Tips

The Axis Bank ACE Credit Card is a top-rated cashback card in India, designed for digital-savvy users who frequently use Google Pay, Swiggy, Zomato, and Ola. Your credit card limit determines your cashback earning potential, credit utilization ratio, and overall purchasing flexibility. Here’s a detailed guide to understanding your limit and how to maximize it over time:

📊 Typical Axis ACE Credit Card Limit Range

  • 🔹 ₹25,000 to ₹1,00,000+ – Typical starting limit for new-to-credit users or fresh salaried applicants.
  • 🔹 ₹1,00,000 to ₹3,00,000+ – Assigned to users with stable jobs, consistent digital spends, and a 700+ CIBIL score.
  • 🔹 ₹5,00,000+ – Higher limits are available to experienced credit users with long repayment history and strong Axis relationships.

Note: Axis Bank uses internal algorithms, past credit behavior, and income documents to determine your starting credit limit during issuance.

🔍 Key Factors That Influence Your Credit Limit

  • Declared Monthly Income: Higher income (₹30K–₹60K+) generally fetches better initial limits.
  • Credit Score: A CIBIL score above 700 improves chances of higher limits and faster upgrades.
  • Digital Spending Pattern: Regular Google Pay utility payments, food delivery orders, and app-based cab rides indicate good usage.
  • On-time Repayments: No defaults and low credit utilization across all cards help you build trust with the bank.
  • Existing Axis Bank Relationship: Salary account, FDs, or past card history improve eligibility for limit enhancement.

🔼 Tips to Increase Your Axis ACE Credit Card Limit

  • 📆 Use the Card Regularly: Spend across categories like Swiggy, Zomato, and bill payments to show engagement.
  • 📤 Update Income Proof: Upload latest Form 16, salary slips, or ITR through the Axis Bank internet banking portal or mobile app.
  • 📈 Keep Utilization Low: Maintain credit usage below 30% of your total limit and avoid minimum due payments.
  • 📲 Enable Auto Debit: Set up auto-pay for your Axis card bills to demonstrate financial discipline.
  • 📞 Request Limit Increase: Call Axis Bank customer care at 1860-419-5555 or place a request through NetBanking or the mobile app.

Pro Tip: Axis Bank may offer pre-approved credit limit enhancements after 6–12 months of timely usage. These offers come via SMS, email, or app notifications and can be accepted digitally without paperwork.

🔎 Sources: Axis ACE Credit Card – Official Page, Axis Bank customer service reps, and verified CIBIL credit guidelines as of May 2025.

📞 Axis Bank ACE Credit Card Customer Care – 24×7 Support & Assistance

Need help with your Axis Bank ACE Credit Card? Whether it’s related to cashback status, Google Pay payments, card activation, or credit limit upgrades, Axis Bank offers dedicated customer service through phone, email, app, and branch support. Here’s your complete guide to getting timely assistance.

📲 Axis Bank Credit Card Helpline Numbers

  • 📞 24×7 Customer Care (India): 1860 419 5555 or 1860 500 5555
  • 🌍 For International Customers: Call +91-22-67987700 (charges applicable as per your carrier)

📧 Email Support

📱 Mobile App & Internet Banking Services

  • 📲 Track Cashback: Log in to the Axis Mobile App or NetBanking to view cashback earned on Google Pay, Swiggy, and other spends.
  • 💳 Manage Card Settings: Set or reset PIN, enable/disable international transactions, and control spend limits by channel.
  • 📈 Request Credit Limit Enhancement: Apply directly via the app or check for pre-approved upgrade offers.

🛠️ Common Services for ACE Cardholders

  • ✅ Report lost or stolen card and block it instantly
  • ✅ Inquire about cashback credit delays or partner offers with Swiggy, Zomato, and Ola
  • ✅ Raise disputes for failed Google Pay bill payments or unauthorized transactions
  • ✅ Request a card replacement, email statement, or add-on card
  • ✅ Update registered mobile/email, KYC, or address details online

🏢 Walk-in Help at Axis Bank Branches

You can also visit your nearest Axis Bank branch to submit documents, apply for card upgrades, or resolve account issues. Use the branch locator to find a location near you.

💡 Pro Tip: For faster issue resolution, always keep your registered mobile number and last 4 digits of your ACE Credit Card ready during support calls or email interactions.

🔎 Sources: Axis ACE Credit Card – Official Product Page, Axis Bank Contact Us Page, verified via customer support desk as of May 2025.

🧑‍💼 My Honest Experience Using the Axis Bank ACE Credit Card

As a digital-first user who regularly pays bills online and orders food, the Axis ACE Credit Card has been my go-to card for over 9 months. It’s one of the most rewarding cashback credit cards in India — especially if you spend through Google Pay and enjoy dining from Swiggy or Zomato.

✅ Smooth Application & Instant Eligibility

I applied via the Axis Bank website using my Aadhaar-linked mobile number. The online form was simple, and I got an eligibility SMS within minutes. The physical card reached me in 5 working days after e-KYC and verification.

💰 Flat Cashback That Just Works

Unlike other cards that have complex redemption rules, the ACE card offers direct cashback every billing cycle:

  • 5% cashback on electricity, gas, internet bills via Google Pay
  • 4% cashback on Swiggy, Zomato, and Ola spends
  • 1.5% cashback on all other eligible spends

It’s incredibly easy to track – cashback is auto-adjusted in the next statement, no need to log in or redeem manually.

📵 Non-Eligible Spend Categories

Some common exclusions you should be aware of:

  • ❌ Fuel spends, wallet reloads, and rent payments
  • ❌ EMIs, gold purchases, and education payments
  • ❌ Insurance premiums and mutual fund transactions

So I avoid using this card for these categories and instead focus on groceries, food, travel, and utilities.

📱 Cashback Tracking via Axis Mobile App

The Axis Mobile App is feature-rich and easy to use:

  • View cashback earned from each merchant (Swiggy, Google Pay, etc.)
  • Track transaction history, set limits, and download monthly statements
  • Check for pre-approved limit increase or EMI offers

🛍️ Great for Salaried Professionals & Digital Spenders

If you’re someone who spends mostly online, this card is tailor-made for you:

  • ✔ Pay utility bills with 5% cashback — electricity, broadband, DTH, etc.
  • ✔ Order food frequently or use cabs? Earn 4% back every time
  • ✔ Easy approval and ₹500 annual fee is waived on ₹2L annual spend

💬 Final Verdict

For everyday cashback across essential spends, the Axis ACE Credit Card is one of the best in its class. Ideal for urban salaried users, online shoppers, and anyone who uses Google Pay or Swiggy/Zomato frequently. It offers simple, automatic savings with minimal effort.

You can check eligibility or apply on the Axis Bank ACE Credit Card official page.

🌟 Want a Flat Cashback Card for Bills, Food & Online Shopping?

Get 5% cashback on bill payments via Google Pay, plus exclusive 4% rewards on Swiggy, Zomato & Ola with the Axis Bank ACE Credit Card.

✔ Auto Cashback Credit
✔ Bill Payments via Google Pay
✔ Great for Salaried Users

Apply Now – Axis Bank ACE Credit Card

🔁 Best Alternatives to Axis Bank ACE Credit Card in 2025

The Axis ACE Credit Card is one of India’s most popular cashback cards — offering flat 5% on Google Pay bills and 4% on Swiggy, Zomato, and Ola. However, if you’re looking for cards with better fuel rewards, travel benefits, or lifetime free access, here are 6 smart alternatives based on spending type, lifestyle needs, and cashback potential.

💳 Credit Card Best For Cashback / Rewards Annual Fee
🟨 Flipkart Axis Bank Credit Card
Best for Flipkart + Travel
Online shoppers, travel, food delivery 5% on Flipkart, 4% on Swiggy/PVR, 1.5% others ₹500 (waived on ₹2L spend)
🟧 Amazon Pay ICICI Credit Card
Best for Amazon + UPI
Amazon loyalists, UPI users, wallet reloads 5% on Amazon (Prime), 2% on partners, 1% others ₹0 (Lifetime Free)
🟩 SBI SimplyCLICK Credit Card
Best for Online Shopping Cashback
Amazon, BookMyShow, Cleartrip, online spends 10X on partners, 1X on all spends ₹499 (waived on ₹1L spend)
🟪 HDFC Millennia Credit Card
Best for Amazon, Swiggy, UPI
Young salaried users with hybrid spending 5% on Amazon/Flipkart, 2.5% on online, 1% offline ₹1,000 (waived on ₹1L spend)
🟥 IDFC FIRST Classic Credit Card
Best for Lifetime Free + Lounge
Zero fee card with decent offline rewards 6X on online, 3X offline, 4 complimentary lounges ₹0 (Lifetime Free)
🟦 AU Bank LIT Credit Card
Best for Custom Cashback
App-based control on reward categories Up to 5% cashback on activated packs ₹499 (flexible cashback modules)

💡 Expert Insight: If your goal is to maximize cashback on Flipkart & food, go for the Flipkart Axis Card. For lifetime-free digital rewards, the Amazon ICICI and IDFC FIRST Classic are excellent. Those seeking customizable benefits or hybrid travel + food perks can explore AU LIT or Millennia based on spend pattern.

🤔 Is the Axis Bank ACE Credit Card Right for You? Maybe Not If…

The Axis Bank ACE Credit Card is a top-rated cashback card known for its 5% Google Pay bill payments, 4% rewards on Swiggy, Zomato, Ola, and automatic statement credit. However, like all financial products, it’s not ideal for everyone. Here’s when you might want to consider other options:

  • You Don’t Use Google Pay for Bill Payments: The 5% cashback is exclusive to bill payments made via Google Pay. If you use other apps or autopay services, you won’t unlock its top reward tier.
  • You Want Lounge Access or Travel Perks: This is a cashback-only card. If you frequently travel and value airport lounge access, airline miles, or concierge services, consider cards like HDFC Regalia or Axis Magnus.
  • You Spend Heavily on Rent, Fuel, or Insurance: The ACE card excludes these categories from earning cashback. For rent or fuel rewards, NoBroker HDFC, SBI Cashback, or Standard Chartered Smart might work better.
  • You Prefer Rewards Points Over Cashback: ACE is purely a cashback credit card. If you prefer earning reward points that can be redeemed for vouchers, air miles, or lifestyle privileges, explore HDFC Millennia or IDFC FIRST Wealth.
  • You Want Lifetime Free Benefits: The ACE card has a ₹499 annual fee (waived on ₹2L spend). If you’re fee-sensitive and want zero annual fee credit cards, consider Amazon Pay ICICI or IDFC FIRST Classic.
  • Your Spending is Mostly Offline: The ACE card delivers its maximum value through online platforms like Google Pay and food delivery apps. For offline retail spends, a hybrid card like AU Bank LIT may serve you better.

📌 Use Case Mismatch: If you’re someone looking for reward points, international perks, fuel benefits, or premium experiences, the ACE card may not align with your lifestyle or financial goals. It’s tailored for urban, digital-first users with predictable online spending patterns.

💡 Tip: The ACE Credit Card is best for budget-conscious salaried professionals, Google Pay users, and frequent Swiggy/Zomato customers who want easy cashback. For others, cards like Flipkart Axis, AU LIT, or SBI SimplyCLICK may be better aligned.

🏆 Editor’s Choice: Axis Bank ACE Credit Card – Best for Everyday Cashback & Digital Spenders

The Axis Bank ACE Credit Card stands out as one of the most rewarding and user-friendly cashback credit cards in India. Built for salaried professionals and digital-first users, it offers exceptional returns on bill payments, food delivery, and app-based cabs — all with no reward redemption hassle. The cashback is auto-credited to your statement each cycle.

  • ✅ 5% Cashback on electricity, internet, gas, and DTH bills via Google Pay
  • ✅ 4% Cashback on Swiggy, Zomato, and Ola transactions
  • ✅ 1.5% Cashback on all other eligible spends (no cap)
  • 🎁 Welcome Offer: ₹500 cashback on ₹10,000 spent in 45 days
  • 💳 Annual Fee: ₹499 + GST (waived on ₹2 lakh annual spend)
  • 📲 Cashback Auto Credit: No redemption needed – cashback reflects in next statement

Why Choose This Card:

  • Ideal for salaried professionals, Google Pay users, and frequent Swiggy/Zomato customers
  • Flat cashback structure: No confusing points system, no expiry
  • Unlimited cashback potential – no upper limit on 1.5% category
  • Highly rated for utility bill payments, food delivery, and digital convenience
  • ✅ Prefer zero annual fees? Check out the Amazon Pay ICICI Credit Card for a lifetime free cashback option

🏁 Verdict: The Axis ACE Credit Card is a powerful tool for urban spenders, digital natives, and cashback-focused users. If your monthly expenses include online utility payments, food apps, and daily digital spending — this card offers unbeatable value with effortless cashback and zero redemption headaches.

⚔️ Axis Bank ACE vs Best Cashback Credit Cards in India (2025)

The Axis Bank ACE Credit Card is one of the most popular cashback cards in India — offering flat cashback, Google Pay bill rewards, and Swiggy/Zomato benefits. But how does it stack up against other top cashback cards like Amazon Pay ICICI, HDFC Millennia, and IDFC FIRST Classic? Here’s a side-by-side breakdown.

FeatureAxis Bank ACEAmazon Pay ICICIHDFC MillenniaSBI Cashback CardIDFC FIRST Classic
Best ForGoogle Pay bills, food deliveryAmazon & UPI shoppersOnline spenders & lifestyle usersFlat 5% on online spendsZero-fee digital cashback card
Cashback / Rewards5% on bills via GPay, 4% food, 1.5% others5% Amazon (Prime), 1-2% elsewhere5% on Amazon, 2.5% online, 1% offline5% on all online spends (cap ₹5K/month)6X on online, 3X offline (₹1 = 1pt)
Lounge Access4 domestic visits/year (₹50K spend)NoneDomestic lounges (₹1L+ spend)None4 complimentary lounges/year
Redemption ProcessAuto statement credit – no manual redemptionAuto credit to Amazon Pay balanceRedeem via NetBanking or SmartBuyCredited in next billing cycleRedeem points instantly or offset bill
Annual Fee₹499 (waived on ₹2L spend)₹0 (Lifetime Free)₹1,000 (waived on ₹1L spend)₹999 (waived on ₹2L spend)₹0 (Lifetime Free)
Standout FeatureBest GPay + food cashback + auto creditBest UPI + Amazon integrationHybrid lifestyle cashback with loungesFlat online cashback – no categoriesLifetime free + travel-friendly

🧾 Summary Verdict:

  • Axis Bank ACE: Best for Google Pay utility bill payments, food delivery cashback, and auto-credit rewards.
  • Amazon ICICI: Great for Amazon shoppers, UPI payments, and those who want a lifetime free card.
  • HDFC Millennia: Ideal for online + app-based spenders who want lounge access with retail cashback.
  • SBI Cashback: Simplest option for flat 5% cashback on all online spends — no brand restrictions.
  • IDFC FIRST Classic: Powerful lifetime-free card with generous rewards, low APR, and lounge access.

✅ Our Take: If you’re focused on digital payments, food delivery, and utility bills, the Axis ACE Credit Card offers unmatched cashback clarity. Prefer UPI, online shopping, or fee-free flexibility? Explore Amazon Pay ICICI or IDFC FIRST Classic.

🎯 Is the Axis Bank ACE Credit Card Worth It?

The Axis Bank ACE Credit Card is one of the best entry-level cashback credit cards in India — ideal for salaried professionals, digital-first users, and those who frequently pay bills via Google Pay. With flat 5% cashback on utility bills, 4% on food delivery, and 1.5% on all other spends, this card delivers seamless value in the form of automatic statement credits — no manual redemption required.

In 2025, it remains a top choice for users who want to maximize daily savings without reward complexity. You get:
5% cashback on Google Pay electricity, gas, broadband bills,
4% cashback on Swiggy, Zomato & Ola, and
1.5% cashback on everything else — with no cap in the base category.

The card also comes with a ₹500 welcome cashback on first ₹10,000 spend, free domestic lounge visits (on ₹50K quarterly spend), and has an easily waivable annual fee — making it a smart pick for budget-conscious professionals and cashback enthusiasts.

💸 Annual Fee: ₹499 (waived on ₹2 lakh annual spend)
🛍️ Best For: Users who value effortless cashback on utility bills, food delivery, and online spending — especially through Google Pay

❓ Frequently Asked Questions – Axis Bank ACE Credit Card

💡 Is Axis Bank ACE Credit Card good?

Yes, it’s one of the top cashback credit cards in India. With 5% cashback on Google Pay bill payments, 4% on food delivery and cabs, and 1.5% flat on other spends, it offers strong value for digital-first users and salaried professionals.

🧑‍💼 Who is eligible for Axis Bank ACE Credit Card?

Any Indian resident aged 18–60 with a stable income (₹15,000+ per month recommended), a valid PAN and Aadhaar, and a CIBIL score above 700 is generally eligible.

🔎 What is Axis Bank ACE Credit Card?

It’s a Visa-powered cashback credit card launched in partnership with Google Pay. The card is designed for utility bill payments, online spending, and app-based purchases.

💳 What is the annual fee of Axis ACE Credit Card?

The card has a ₹499 + GST annual fee, which is waived if you spend ₹2 lakh or more in a year.

📈 What is the minimum CIBIL score required for approval?

A score of 700 or above is typically required. Higher scores improve chances of higher credit limits and approval speed.

💰 How can I increase my Axis ACE credit limit?

Use your card regularly, pay dues on time, and maintain a good credit score. You can also submit updated income documents via the Axis Mobile app or Internet Banking.

🏧 Can I withdraw cash using ACE Credit Card?

Yes, you can withdraw cash at ATMs, but a cash advance fee of 2.5% (min ₹500) applies, along with daily interest from the date of withdrawal.

📆 What is the billing cycle for Axis credit cards?

Billing cycles are user-specific and usually range between the 1st to 15th of each month. It can be checked via your monthly e-statement or Axis Mobile app.

🎁 How do I redeem cashback on the ACE card?

No manual redemption is required. Cashback earned is automatically credited to your next billing cycle as a statement adjustment.

🏦 Can I get Axis ACE Credit Card against FD?

ACE is an unsecured credit card. However, Axis Bank offers other secured cards (like Insta Easy Credit Card) against fixed deposits.

🎭 What is the difference between ACE and Axis Privilege Credit Card?

ACE focuses on cashback on bills and food apps, while Privilege offers reward points, travel perks, and airport lounge access — better suited for lifestyle and travel spenders.

📤 How to activate the ACE Credit Card?

You can activate it via Axis Mobile App, NetBanking, or by generating a PIN at any Axis Bank ATM.

📉 How can I cancel or close my ACE Credit Card?

Call Axis Bank customer care at 1860 419 5555 or submit a written request after clearing all outstanding dues.

🔐 How can I block my ACE Credit Card?

You can block it instantly via the Axis Mobile app, call customer care, or SMS BLOCK <last 4 digits> to 5676782.

📊 Does closing my Axis Credit Card affect CIBIL score?

Yes. Closing a credit card may temporarily lower your credit score by affecting your credit utilization and average account age. Close only if necessary.

📞 How to contact Axis customer care for card issues?

Call 1860 419 5555 / 1860 500 5555 for 24×7 credit card support or email customer.services@axisbank.com.

🧑‍💼 Reviewed by: Tausif Shaikh, Certified Finance Blogger & Founder of Updatepedia | 📆 Last updated: May 2025

💭 Final Verdict – Is Axis Bank ACE Credit Card Worth It in 2025?

If you’re a salaried professional or digital-first spender looking for a straightforward cashback credit card that rewards everyday bills and online spending, the Axis Bank ACE Credit Card offers excellent value. With 5% cashback on Google Pay utility bill payments, 4% on Swiggy, Zomato & Ola, and 1.5% on everything else, it’s perfect for those who want effortless savings with zero redemption hassle.

  • ✔️ Best Suited For: Salaried professionals, frequent bill payers, and app-based food delivery users looking for high flat-rate cashback
  • ⚠️ Not Ideal For: Users seeking reward points, travel perks, or premium lifestyle features like concierge or international lounges

The ACE card shines in everyday use — offering auto cashback credited to your next bill with no minimum redemption limits or confusing reward conversions. With an annual fee of just ₹499 (waived on ₹2 lakh annual spend), this card delivers unbeatable value for its category. Lounge access is also included (on ₹50K quarterly spend), making it even more appealing for regular travelers.

✅ Bottom Line: The Axis Bank ACE Credit Card is a fantastic choice for urban users who value flat cashback, bill payment convenience, and simplicity. If your monthly budget includes electricity, broadband, food delivery, and digital transactions — this card offers maximum ROI with minimal maintenance.

Tausif Shaikh

Tausif Shaikh is the Founder of Updatepedia.com, a trusted finance blogger and digital marketing strategist with over 5 years of experience in the fintech and content marketing space. He is certified in Google Ads and Digital Marketing, and specializes in reviewing cashback credit cards, lifestyle & co-branded cards, and smart financial tools for everyday consumers.

Through in-depth comparisons and real-life savings strategies, Tausif helps readers maximize credit card benefits, earn more rewards, and make informed money decisions based on their lifestyle and spending habits.

Follow Tausif for practical financial insights, unbiased reviews, and money-saving tips that actually work.

Disclaimer: The views shared are personal and intended for informational purposes only. Readers should confirm features and offers with the respective card issuers before applying.

Have you used this credit card? Share your review!

Your feedback helps others make better decisions and discover the best cards for their needs.

Write a Review ➜