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Axis Bank ACE Credit Card

Axis Bank ACE Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Axis Bank Visa Entry

Join / Annual

₹0/₹499

Base Rate

1.5%

Reward Type

Cashback

Overview

The Axis Bank ACE Credit Card is a Entry credit card issued by Axis Bank on the Visa network. It offers a base reward rate of 1.5% on all spends, with rewards issued as Cashback.

Annual Fee: ₹499
Eligibility: Positioned as an entry-level card, may require an annual income of around ₹6,00,000.

Reward Rates & Cashback Rules

  • CATEGORY – Utilities: 5.0% cashback | monthly cap ₹500.0 | via Google Pay ⚠️ Applies to utility bill payments, DTH and mobile recharges. The ₹500 monthly cap is shared with 4% cashback categories (Swiggy, Zomato, Ola).
  • MERCHANT – Swiggy: 4.0% cashback | monthly cap ₹500.0 ⚠️ The ₹500 monthly cap is shared with the 5% cashback category and other 4% partners.
  • MERCHANT – Zomato: 4.0% cashback | monthly cap ₹500.0 ⚠️ The ₹500 monthly cap is shared with the 5% cashback category and other 4% partners.
  • MERCHANT – Ola: 4.0% cashback | monthly cap ₹500.0 ⚠️ The ₹500 monthly cap is shared with the 5% cashback category and other 4% partners.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Jewelry: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback

Key Features & Benefits

  • Domestic Airport Lounge Access ✈️: 4 complimentary domestic lounge visits per calendar year, subject to spending a minimum of ₹50,000 in the previous three calendar months.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000. Maximum waiver is capped at ₹500 per statement cycle.
  • Dining Discount 🍽️: Up to 15% discount at partner restaurants through the bank's dining program.

Eligibility Criteria

Positioned as an entry-level card, may require an annual income of around ₹6,00,000.

Features & Benefits

✈️

Domestic Airport Lounge Access

4 complimentary domestic lounge visits per calendar year, subject to spending a minimum of ₹50,000 in the previous three calendar months.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹4,000. Maximum waiver is capped at ₹500 per statement cycle.

🍽️

Dining Discount

Up to 15% discount at partner restaurants through the bank's dining program.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Utilities Via Google Pay
Reward: 5.0% Monthly Cap: ₹500.0
⚠️ Exceptions: Applies to utility bill payments, DTH and mobile recharges. The ₹500 monthly cap is shared with 4% cashback categories (Swiggy, Zomato, Ola).
5%
Swiggy
Reward: 4.0% Monthly Cap: ₹500.0
⚠️ Exceptions: The ₹500 monthly cap is shared with the 5% cashback category and other 4% partners.
4%
Zomato
Reward: 4.0% Monthly Cap: ₹500.0
⚠️ Exceptions: The ₹500 monthly cap is shared with the 5% cashback category and other 4% partners.
4%
Ola
Reward: 4.0% Monthly Cap: ₹500.0
⚠️ Exceptions: The ₹500 monthly cap is shared with the 5% cashback category and other 4% partners.
4%
Fuel Exclusion
EMI Exclusion
Wallet Load Exclusion
Rent Exclusion
Jewelry Exclusion
Insurance Exclusion
Education Exclusion
Government Services Exclusion

Value Chart

Assuming basic spends for Axis Bank ACE Credit Card

Category Axis Bank ACE Credit Card Axis Bank Airtel Credit Card Flipkart Axis Bank Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0
₹
Annual Fee 		₹499 ₹500 ₹500
🌍
Forex Markup 		3.5% 3.5% 3.5%
%
Base Rate 		1.5% 1.0% 1.0%
★
Known Rules 		12 rules 13 rules 15 rules

Pros & Cons

✓

Pros

  • + Utilities — 5.0% Cashback (cap ₹500.0)
  • + Swiggy — 4.0% Cashback (cap ₹500.0)
  • + Zomato — 4.0% Cashback (cap ₹500.0)
  • + Ola — 4.0% Cashback (cap ₹500.0)
  • + Domestic Airport Lounge Access
  • + Fuel Surcharge Waiver
  • + Dining Discount
✗

Cons

  • − No reward on Fuel
  • − No reward on EMI
  • − No reward on Wallet Load
  • − No reward on Rent
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹4500

Annual Fee

₹499

Net Value

+₹4001

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

You earn 5% cashback on utility bills and recharges via Google Pay, 4% on Swiggy, Zomato, and Ola, and a flat 1.5% on all other eligible spends. The accelerated cashback (5% and 4%) has a combined monthly cap of ₹500.

The card has a joining and annual fee of ₹499 + GST. The joining fee is waived on spending ₹10,000 in the first 45 days, and the annual fee is waived if you spend over ₹2,00,000 in the previous year.

Yes, it offers 4 complimentary domestic lounge visits per year. This benefit is unlocked by spending a minimum of ₹50,000 in the preceding three calendar months.

Yes, cashback is not applicable on fuel, EMI, wallet loads, rent, jewelry, insurance, educational services, and government payments.

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