About Axis Bank ACE Credit Card
The Axis Bank ACE Credit Card is a low annual fee cashback credit card that offers up to 5% cashback on spends, making it a great option for everyday savings. One of its key highlights is the 5% cashback on utility bill payments and recharges, a category where most credit cards offer limited benefits. It also provides additional cashback on apps like Zomato, Swiggy, and Ola, helping you save more on daily expenses.
However, the higher cashback categories come with spending caps, which may limit your total savings. On the positive side, the card also offers a strong base cashback of 1.5% on all other spends, which is better than the usual 1% or less offered by many cards. Overall, it’s a solid choice for everyday savings. You can also explore the Best Credit Cards for Utility Bill Payments to compare more options.
Axis Bank ACE Credit Card Rewards Program
Cashback Benefits
- Get 5% cashback on bill payments (electricity, gas, internet, etc.) and mobile/DTH recharges via Google Pay
- Enjoy 4% cashback on spends at Zomato, Swiggy, and Ola
- Earn 1.5% cashback on all other transactions
- Capping: Cashback on 5% and 4% categories is limited to a combined ₹500 per month
- Exclusions: No cashback is given on categories like fuel, utility payments made outside Google Pay, EMI transactions, rent, wallet loading, cash withdrawals, jewellery, insurance, education, outstanding balances, and card fees/charges
Other Features and Benefits
Fee Waiver:
- Get the annual fee waived on spending ₹2 lakh in a year
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Lounge Access:
- Enjoy up to 4 complimentary domestic airport lounge visits per year by spending ₹50,000 in the previous 3 months
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Dining Benefits:
- Get up to 15% off on dining bills at partner restaurants via EazyDiner
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Fuel Benefits:
- Avail 1% fuel surcharge waiver (up to ₹500 per month) on fuel transactions between ₹400 and ₹4,000
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Also Read: Axis Bank Credit Card Airport Lounge Access
Fees and Charges
| Particulars | Amount |
|---|
| Joining Fee | Rs. 499 + applicable taxes (Nil when applied via Paisabazaar) |
| Annual Fee | Rs. 499 + applicable taxes |
| Finance Charges | 3.75% per month (55.55% per annum) |
| Late Payment Charges | | On outstanding balance of: | | | Up to Rs. 500 | Nil | | Rs. 501 to Rs. 5,000 | Rs. 500 | | Rs. 5,001 to Rs. 10,000 | Rs. 750 | | Rs. 10,001 and above | Rs. 1,200 |
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Document Required For Axis Bank ACE Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Axis Bank ACE Credit Card Highlights
What do we like about this card?
- Get 5% cashback on bill payments, DTH, and mobile recharges via Google Pay
- Enjoy 4% cashback on Swiggy, Zomato, and Ola
- Earn 1.5% cashback on all other spends
- Lounge Access: Get 4 free domestic airport lounge visits per year by spending ₹50,000 in the previous 3 months
- Fuel Benefits: Avail 1% fuel surcharge waiver (up to ₹500 per month) on transactions between ₹400 and ₹4,000
Things to Know Before you apply
Get this card if:
- You want higher cashback on utility bill payments and recharges
- You frequently use Swiggy, Zomato, and Ola for food delivery and daily travel
- You prefer direct cashback on your spends instead of reward points
Pros
- Get 5% cashback on utility bills and recharges, a category usually ignored or offering low rewards
- Enjoy an uncapped 1.5% base cashback on all spends
- No joining fee when you apply via Paisabazaar
- Easy annual fee waiver condition, even for low spenders
Cons
- Monthly cap on higher cashback categories, which can limit total savings
- Lounge access requires meeting quarterly spend conditions
Axis Bank Credit Card Contact Details
- Contact Address: Axis Bank Limited, Corporate Office, Axis House, Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai – 400 025, Maharashtra, India.
Helpline Numbers: 1860-419-5555, 1860-500-5555 (available from all major cities in India)
Simply SMS Service: Send BAL last 4 digits of your credit card to 56161600 or 8691000002 to get your credit card balance via SMS.
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