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Axis Bank Ace
Regular
Best for: Cashback
Joining Fee :
₹499
Annual Fee :
₹499
Issued by
Axis Bank
Powered by
Visa
Welcome Bonus
Travel
Fuel
Shopping
Cashback
Rewards
Insurance
Interest
Lounge
Regular users of Swiggy, Zomato, and Ola will appreciate the Axis Bank Ace Credit Card's cashback benefits! Earn 5% on bill payments and 4% on Swiggy, Zomato, and Ola purchases. The ₹499 joining fee is waived when you spend ₹10,000 within 45 days of card issuance. Ready to start earning?
Features & Benefits
💸 Cashback Benefit
• 5% cashback on bill payments via Google pay towards DTH, internet, electricity, gas, etc.
• 1.5% cashback on other spends.
⛽ Fuel Surcharge
• A 1% fuel surcharge is waived at all fuel stations throughout the nation.
• The maximum waiver amount is ₹500 per month.
• Valid on transactions between ₹400 to ₹4000.
✈️ Travel Benefit
• 4 airport lounge visits every year at certain domestic airports.
• 4% cashback on Ola rides.
🍽 Dining Benefit
• 20% discount on dining bills under the Dining Delight Program, at over 4000 restaurants.
• 4% cashback on Swiggy and Zomato.
💳 EMI Benefit
• Any transaction above ₹2500 on the Axis Bank Ace Credit Card can be converted into EMI easily.
Joining Fee
₹499
Annual Percentage Rate
52.86%
Foreign Transaction Fee
3.50%
Annual Fee
₹499
Minimum Repayment Amount
5%
Over Limit Penalty
2.5%
Add-on Card Fee
Free
Cash Withdrawal Fee
2.50%
Fuel Surcharge
Nil
Card Replacement Fee
Free
Cash Advance Limit
NA
Reward Point Value
NA
Fees & Charges
Pros
1. 5% cash back on Google Pay bill payments.
2. 4 free domestic lounge visits every year.
3. A discount of up to 20% on dining at over 4000+ restaurants.
Cons
1. iOS users lose out on the 5% cashback offered by Google Pay.
2. No incentives for petrol, insurance, or wallet spending.
3. No welcome benefits.
4. No cashback on EMI transactions, fuel spends and cash advances.
5. Charges annual fee from second year onwards.
6. 4% and 5% cashback have a very low cap of ₹500 per statement cycle.
7. 2% cash back on everyday purchases has been reduced to 1.5%.
Eligibility
• Age: 18–70 years
• Must have a steady source of income
Documents Required
1. Identity Proof: PAN Card, Aadhaar card, Driver's License, Passport, Voter's ID, OCI Card, PIO Card, NREGA Job card, UIDAI letters, or other government-approved photo ID
2. Address Proof: Aadhaar card, Driver's License, Passport, recent Utility Bill (within 3 months), Ration Card, Property Registration Document, PIO Card, NREGA Job card, Bank Statement, or other government-approved address proof
3. Income Proof: Recent salary slips (within 3 months), latest Form 16, and last 3 months' bank statement