Axis Bank

Axis Bank ACE Credit Card

Data last verified: 24 October 2026

Utility billsVISA

Joining fee₹499 + GST
Annual fee₹499 + GST
Reward rate1.5% on most spends; 5% only at partner merchants

Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.

Joining fee₹499 + GST
Annual fee₹499 + GST
Fee waiverOn ₹2 lakh spend a year
Forex markup3.5%
Interest (APR)3.75% a month, 45% a year
Fuel surcharge waiver1%
Fuel waiver cap₹500 a month

ACE pays 5% cashback on electricity, water, gas, broadband, DTH and mobile bills paid through Google Pay, and 4% on Swiggy, Zomato and Ola. Everything else earns a flat 1.5%, which is one of the better base rates among low-fee cards. The 5% and 4% categories have monthly caps.

The fee is ₹499 plus GST, waived at ₹2 lakh annual spend. Even without the waiver, a few months of bill cashback covers it.

It suits salaried users who want simple, automatic cashback on daily spends. The catch is that the high rates stop at the monthly cap, and the 4 domestic lounge visits a year need Rs 50,000 spend in the previous quarter.

Best for: Salaried users paying bills online, Food delivery and cab users, First-time card users, People who prefer cashback.

01Axis Bank ACE Credit Card Rewards and Benefits

Rewards rate: 1.5% on most spends; 5% only at partner merchants
Fee waived on: ₹2 lakh spend a year
Reward redemption: Not published
Dining: 4% back only at Swiggy, Zomato, Ola; other dining: 1.5% back (the normal rate)
Travel: 1.5% back (the normal rate)
Golf: Not included
Domestic lounge: 4 visits a year
International lounge: Not included
Insurance benefits: Not included

02Axis Bank ACE Credit Card Annual Fee and Charges

Joining fee: ₹499 + GST
Annual fee: ₹499 + GST
Spend-based waiver: Annual fee waived on ₹2 lakh spend in a year (rent and wallet loads not counted)
Rewards redemption fee: Nil
Forex markup: 3.5%
Interest rate: 3.75% a month (45% a year)
Fuel surcharge waiver: No
Card replacement: Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

₹20,000 on everything else, earning 1.5%₹300
Back each month, ₹3,600 a year₹300
Annual fee with 18% GST (waived at this spend)₹0
In your pocket each year₹3,600

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

Utility bills only at Google Pay: 5% back, up to ₹500 a month
Dining only at Swiggy, Zomato, Ola: 4% back, up to ₹500 a month
Spending ₹16,667 or more a month: the ₹589 fee is waived
Flyers: 4 airport lounge visits a year

Skip it if…

you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹589 fee is then charged
most of your spending is fuel, rent, insurance or education: those earn nothing on this card
you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
you rarely spend on Google Pay: the 5% rate applies only there, everything else earns 1.5%
you often pay in foreign currency: 3.5% is added to every foreign spend
you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

04Product Details

Joining and annual fee: ₹499 plus GST
Fee waived on ₹2 lakh annual spend
5% cashback on bills and recharges via Google Pay, capped monthly
4% cashback on Swiggy, Zomato and Ola, capped monthly
1.5% cashback on other spends
4 domestic lounge visits a year on ₹50,000 previous-quarter spend

05Pros and Cons

Pros

1.5% back on everything else
5% on utility bills via Google Pay
Low fee, easy waiver
Cashback, no points

Cons

Bill and food cashback capped monthly
Bill cashback only via Google Pay
3.5% forex markup
Lounge visits are spend-linked

06How Axis Bank ACE Credit Card earns Rewards

1.5% on most spends; 5% only at partner merchants.

Earns nothing onRentWallet loadsFuelGovernmentInsuranceEducationCash withdrawalsEMITollsGold and jewelleryGift cards

Spend category	Rate	Monthly cap	Where it applies
UPI payments (scan and pay)	Earns nothing	-	a Visa or Mastercard card cannot pay by UPI
Online shopping	1.5%	No cap	The card's normal rate
Dining and food delivery	1.5%	No cap	Anywhere else in the category
Dining and food delivery, only at listed merchants	4%	₹500, shared with other bonus rates	Only at: Swiggy, Zomato, OlaTerms: 4% cashback on Swiggy, Zomato and Ola, on their websites and apps, no Google Pay requirement (that condition applies only to the 5% utility tier). Shares the ₹500/cycle accelerated cap.
Groceries	1.5%	No cap	The card's normal rate
Travel: flights, hotels, trains	1.5%	No cap	The card's normal rate
Fuel	Earns nothing	-	earns nothing on this card
Bills and recharges	1.5%	No cap	Anywhere else in the category
Bills and recharges, only at listed merchants	5%	₹500, shared with other bonus rates	Only at: Google PayTerms: 5% cashback on bill payments via Google Pay, electricity, water, gas, LPG, broadband, DTH and mobile recharges. Shares a ₹500/cycle cap with the 4% Swiggy/Zomato/Ola earn. Axis also charges 1% on cumulative utility spend of ₹25,000+ a cycle, so above that the net earn is nearer 4%.
Rent	Earns nothing	-	earns nothing on this card
Insurance premiums	Earns nothing	-	earns nothing on this card
School and college fees	Earns nothing	-	earns nothing on this card
Wallet top-ups	Earns nothing	-	earns nothing on this card
Taxes and government payments	Earns nothing	-	earns nothing on this card
Spend abroad or in a foreign currency	1.5%	No cap	The card's normal rate
Everything else	1.5%	No cap	The card's normal rate

Listed underUtility bills cards Cashback cards Dining cards

CardAdvisor tagsUtility billsDiningCashback

Terms on the base rate. Uncapped 1.5% cashback on all other spends

07Axis Bank ACE Credit Card Lounge Access and Travel

Domestic lounge access is 4 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 1.5% back (the normal rate). See what it costs on your trip

Also on the card. airport lounge access.

Airport lounge access: 4 complimentary domestic airport lounge visits a year, an annual allowance with no per-quarter limit, unlocked by spending ₹50,000 in the previous 3 calendar months

08Axis Bank ACE Credit Card Eligibility and Documents

Employment: Salaried or self-employed

Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph

09Recent Changes

What Axis Bank changed on this card recently. The facts on this page already reflect them.

Date	Change	Before	Now
28 Aug 2026	Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank	1.5% + GST	3.5% + GST
28 Aug 2026	Reduced: New top late-payment slab of Rs 1,300 above Rs 50,000Source: Axis Bank	₹1,200 on any total payment due above ₹10,000	₹1,200 from ₹10,001 to ₹50,000; ₹1,300 above ₹50,000
28 Aug 2026	Reduced: Tolls and road fees stop earning rewards; gift cards split into their own categorySource: Axis Bank	Bridge fees, road fees and tolls earned at the normal rate	No rewards or cashback on bridge fees, road fees and tolls
20 Dec 2024	Reduced: Spend surcharges introduced, 1% on utilities above ₹25,000 a cycleSource: Axis Bank	No surcharge on utility, wallet, fuel or gaming spends; 1% rent surcharge capped ₹1,500/txn	1% on cumulative utility spends of ₹25,000+ per statement cycle; 1% on wallet loads of ₹10,000+; 1% on fuel of ₹50,000+; 1% on online skill-based gaming of ₹10,000+; 1% per rental transaction, uncapped; 1% on education payments via third-party apps
1 May 2024	Reduced: Lounge access spend-gatedSource: Axis Bank	4 complimentary domestic visits a year	Requires ₹50,000 spend in prior 3 months

See this card's change history → · All card changes in August 2026 →

10Cards Similar to Axis Bank ACE Credit Card

Axis Bank ACE Credit Card is a utility bills card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	Axis Bank ACE Credit Card	HSBC Live Plus Credit Card	HDFC Bank UPI RuPay Credit Card
Joining fee	₹499 + GST	₹999 + GST	₹99 + GST
Annual fee	₹499 + GST	₹999 + GST	₹99 + GST
Rewards	1.5% on most spends; 5% only at partner merchants	1.5% base, up to 10% on dining	0.25% base, up to 0.75% on groceries
Domestic lounge	4 visits a year	2 visits a year	Not included
Forex markup	3.5%	1.99%	3.5%
Type	Utility bills	Dining	Grocery

Compare with HSBC Live Plus Credit Card Compare with HDFC Bank UPI RuPay Credit Card

11Explore More

All Axis Bank productsEvery card, loan and account from Axis Bank on SkyloFin Utility bills credit cardsEvery utility bills card, compared All credit cardsFilter by issuer, category and fee Rewards calculatorWhat this card would earn on your spending Interest calculatorWhat carrying a balance really costs Track this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 24 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

Is the ₹499 fee waived?

Yes, when you spend ₹2 lakh in a year.

How do I get 5% on bills?

Pay electricity, water, gas, broadband, DTH and mobile bills through Google Pay using the card. A monthly cap applies.

What do I earn on other spends?

A flat 1.5% cashback.

What is the joining fee for the Axis Bank ACE Credit Card?

The joining fee is ₹499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the Axis Bank ACE Credit Card?

The annual fee is ₹499 + GST.

Does the Axis Bank ACE Credit Card give airport lounge access?

Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

Axis Bank ACE Credit CardJoining fee: ₹499 + GST

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