Axis Bank ACE Credit Card
VisaAxis ACE Credit Card gives 5% cashback on bill payments via Google Pay, 4% on Swiggy/Zomato/Ola, and 1.5% on all other spends.
Welcome Benefit
₹500 cashback on first transaction via Google Pay.
Estimated value: ₹499
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹500 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: Edge Miles / Edge Rewards (cashback) · 1 point = ₹0.25
| Category | Earn Rate |
|---|---|
| All Other Spends | 1.5% cashback on all other spends |
| Bill Payments via Google Pay | 5% cashback on all bill payments via Google Pay |
| Swiggy/Zomato/Ola | 4% cashback on Swiggy, Zomato, Ola |
| Other Online Spends | 2% cashback on other online spends |
Monthly cashback capped as per category. Overall monthly cap ₹1,000.
Points expire after 36 months
Milestone Benefits
Annual fee of ₹499 is reversed on spending ₹1,00,000 or more in the preceding year.
Value: ₹499
Spend calculated from card anniversary date. All eligible transactions counted.
Lounge Access
1 domestic lounge visit per quarter.
Lifestyle Benefits
E-commerce Partner Offers
Exclusive discounts and cashback offers on partner e-commerce platforms (Flipkart, Amazon, Myntra, Nykaa etc.) throughout the year.
via Flipkart / Amazon / Myntra
Value: ₹1,200
Insurance Cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero LiabilityForex & Fuel
Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.
Eligibility
Salaried: ₹25,000+ per month. Age: 21–60.
Editor Rating
Pros
- + No points conversion – direct cashback
- + Simple and transparent earning structure
- + Wide partner acceptance
Cons
- – Monthly cashback cap limits earnings for high spenders
- – Benefit may reduce over time with offer changes
The Axis Bank ACE Credit Card is a entry-level credit card from Axis Bank offering direct cashback on everyday spends. At ₹499/year, the card is easily justified through fee waivers and regular usage benefits.