Axis ACE Cashback Credit Card
axis bank Axis Bank

Axis ACE Cashback Credit Card

cat name Cashback
cat name Reward Points

Best Suited For: Cashback

Joining Fee: ₹499* Plus Applicable Taxes

Renewal Fee: ₹499* Plus Applicable Taxes

cat name Cashback
cat name Reward Points

Best Suited For: Cashback

Joining Fee: ₹499* Plus Applicable Taxes

Renewal Fee: ₹499* Plus Applicable Taxes

Best Features:- 5% cashback on utility bill payments, DTH, and mobile recharges made through Google Pay.

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The Axis Bank ACE Credit Card, launched in partnership with Google Pay and Visa. It caters to young professionals who frequently make online payments. It offers 5% cashback on utility bill payments like electricity, gas, and internet through Google Pay, and 4% cashback on popular platforms like Swiggy, Zomato, and Ola. The card also provides additional benefits like complimentary domestic airport lounge access, 20% off on dining at over 4,000 partner restaurants, and more. It’s an excellent option for individuals who want to save while managing their everyday expenses efficiently.

*Terms and conditions apply.

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All You Need To Know

Card Type

Cashback

Cashback on Every Spend
  • 5% Cashback on utility bill payments (electricity, gas, internet, DTH) and mobile recharges when paid via Google Pay.
  • 4% Cashback on spending through Swiggy, Zomato, and Ola.
  • 1.5% Cashback on all other purchases.
  • Revised Cashback (Effective from April 20, 2024):
    • A base cashback of 1.5% applies to most transactions, except for payments through Google Pay and preferred merchants.
    • Cashback does not apply to certain categories like fuel, EMI transactions, jewelry, gold, insurance, and similar expenses.
Airport Lounge Access
  • Up to 4 Free Domestic Lounge Visits per year.
  • Spending Criteria: A minimum spend of ₹50,000 in the last 3 months is required (effective from May 1, 2024).
  • For new cardholders, the minimum spend requirement is waived for the first 3 months.
Fuel Surcharge Waiver
  • 1% Fuel Surcharge Waiver on transactions between ₹400 and ₹4,000 at any fuel station.
  • Maximum savings of ₹500 per month with this benefit.
Dining Discounts
  • 15% Discount at over 4,000 partner restaurants in India through the Dining Delights Program.
EMI Conversion
  • EMI Facility available for purchases over ₹2,500.
Cashback Example
  • Example: If you spend ₹33,000 in a month, you could earn ₹935 cashback, mainly from utility bill payments, food delivery, and other regular purchases.
Advantages
  • No Upper Limit on cashback earnings.
  • Cashback is Credited 3 days before the next billing cycle.
  • Transparent Tracking of cashback on your statement.
Limitations
  • Cashback on utility bills is only available if paid via Google Pay (Android users only).
  • Certain transactions like fuel, EMIs, and others are excluded from cashback.

Axis Bank ACE Cashback Credit Card Eligibility:

Criteria Details
Age 18 to 70 years
Occupation Salaried and Self-employed
Serviceable Cities Click here for the list of eligible cities
Documents Required Click here for the list of acceptable documents

Note: The eligibility criteria and acceptable documents are indicative. Actual criteria and documents required may vary.

Below mentioned are the fees and charges associated with this credit card:

Particulars Amount
Joining Fee Rs. 499 (reversed on spending of Rs. 10,000 within 45 days of card issuance)
Annual Fee Rs. 499 (waived off on annual spend of Rs. 2 lakh or more)
Finance Charges 3.6% p.m. | 52.86% p.a.
Late Payment Charges** For Statement Balance
  • Less than Rs. 500: Nil
  • From Rs. 501 to Rs. 5,000: Rs. 500
  • From Rs. 5,001 to Rs. 10,000: Rs. 750
  • Greater than Rs. 10,000: Rs. 1,200

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FAQs

No, not all transactions are eligible for cashback. Fuel purchases, EMI transactions, wallet loading, cash advances, payments of outstanding balances, card fees, and utility bill payments (except via Google Pay) are excluded from cashback offers.

No, only bill payments, mobile recharges, and DTH recharges made through Google Pay will earn you 5% cashback. Note that this feature is available only for Android users; iPhone users cannot use this benefit.

Yes, purchases above Rs. 2,500 can be converted into EMI after the transaction is completed.

Yes, Axis Bank ACE Credit Cardholders can enjoy discounts at partner restaurants, including franchises like KFC, TGI Fridays, Tossin Pizza, Chicago Pizza, and others.

The Axis Bank ACE Credit Card provides free access to domestic airport lounges. You can check the list of available lounges on the bank’s website.

Yes, you can easily apply for the Axis Bank ACE Credit Card online through the Axis Bank website or app.

No, the Axis Bank ACE Credit Card is exclusively available to Indian residents. NRIs are not eligible for this card.

If you lose your card, immediately contact Axis Bank customer care to block your card and prevent unauthorized transactions.

Yes, there is a joining fee of Rs. 499. However, this fee is waived if you spend Rs. 10,000 or more within 45 days of card issuance.

Yes, the Axis ACE Credit Card offers a 1% fuel surcharge waiver at fuel stations across India, making it easier for you to save on fuel expenses.

Please click the links below to find details and instructions related to Axis Bank Credit Cards that can help you in easily managing your card:

Apply for Axis Bank ACE Credit Card with MybankingTips

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