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Last updated: 29 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
5% on Bill Payments (GPay)
Earn 5% cashback on utility bill payments and recharges via Google Pay (Android only). Earn 4% cashback on Swiggy, Zomato, and Ola. Earn an uncapped 1.5% flat cashback on all other eligible online and offline spends. Note: The 5% and 4% accelerated categories share a combined maximum cashback limit of ₹500 per month.
Redeem for
The privileges that come bundled in, beyond the reward points.
Lounge Access: 4 complimentary domestic airport lounge visits per calendar year (requires a minimum spend of ₹50,000 in the previous 3 months)
Dining Discounts: Up to 15% discount at over 4,000 partner restaurants across India through Axis Bank Dining Delights
Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 (maximum waiver of ₹500 per statement cycle)
Annual Fee Waiver: The ₹499 renewal fee is waived upon achieving an annual spend of ₹2,00,000 in the preceding year (excluding rent and wallet load transactions)
An honest read on where this card earns its keep — and where it doesn't.
Best-in-class 5% cashback on utility bill payments and recharges via Google Pay
High base cashback rate of 1.5% on regular spending with no upper limit
Generous 4% cashback on popular daily apps like Swiggy, Zomato, and Ola
Joining fee is easily reversed with a low ₹10,000 spend requirement within 45 days
The 5% and 4% accelerated cashback categories share a strict combined cap of ₹500 per month
Google Pay utility bill cashback is restricted to Android users (not available on iOS)
Lounge access is now heavily restricted by a ₹50,000 spend hurdle in the previous calendar quarter
High APR of 55.55% annually for carried balances makes revolving debt very expensive
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Axis Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Axis Bank Ace stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Axis Bank Ace fees, reward conversion, lounge access, and application eligibility.
Axis Bank Ace has an annual fee of ₹499 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "The joining fee of ₹499 is reversed upon spending ₹10,000 within the first 45 days of card setup.".
Axis Bank Ace earns Cashback at a primary rate of 5% on Bill Payments (GPay). Specifically, Earn 5% cashback on utility bill payments and recharges via Google Pay (Android only). Earn 4% cashback on Swiggy, Zomato, and Ola. Earn an uncapped 1.5% flat cashback on all other eligible online and offline spends. Note: The 5% and 4% accelerated categories share a combined maximum cashback limit of ₹500 per month.. Spends in Cashback, Entry Level, Dining categories provide the maximum valueback per transaction on this card.
Rewards earned on Axis Bank Ace can be redeemed for Statement Credit (Auto-credited to the card account) via Axis Bank's official rewards portal or mobile banking app. Points typically carry a multi-year validity period, though regular redemption against high-value vouchers or statement balances is advised.
Yes, Axis Bank Ace features complimentary airport lounge privileges. Privileges include: "Lounge Access: 4 complimentary domestic airport lounge visits per calendar year (requires a minimum spend of ₹50". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 720 or above is strongly recommended for approval of Axis Bank Ace. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Axis Bank Ace is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Axis Bank Ace levies a forex markup fee of 3.5% of the transaction amount on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Axis Bank Ace currently features a welcome offer: "The joining fee of ₹499 is reversed upon spending ₹10,000 within the first 45 days of card setup.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Best-in-class 5% cashback on utility bill payments and recharges via Google Pay and High base cashback rate of 1.5% on regular spending with no upper limit. However, keep in mind that The 5% and 4% accelerated cashback categories share a strict combined cap of ₹500 per month and Google Pay utility bill cashback is restricted to Android users (not available on iOS). Overall, Axis Bank Ace delivers strong value if your regular spending aligns with Cashback, Entry Level, Dining.
Yes, Axis Bank Ace includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹4). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
