Axis Bank ACE Credit Card
Axis Bank
A flat-cashback everyday card that especially rewards utility bills and food delivery — low fee, easy waiver.
₹499
Joining fee
₹499, waived at ₹2L spend
Annual fee
Effective 20 June 2025, rent, wallet loads, education, government services, insurance, gold/jewellery, fuel, financial institutions, and cash advances/repayments no longer count toward the ₹2,00,000 annual spend threshold required to waive the ₹499 annual fee.
3.5%
Forex markup
4.4 / 5
Rating
Eligibility
Estimated minimum income: ₹18,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 18–70
Steady income required (aggregator-sourced; no specific income figure stated officially)
Lounge access
4 domestic visits per year
Spend-conditional (specific threshold not stated).
Key features
- 5% cashback on utility bill payments and recharges via Google Pay
- 4% on Swiggy, Zomato and Ola
- 1.5–2% flat cashback on everything else, no category restrictions
- 4 complimentary domestic lounge visits/year (spend-conditional)
- 1% fuel surcharge waiver
Reward details
1.5% cashback on all other eligible spends, uncapped
- 5% cashback on Utility bills (electricity, gas, water, internet) and mobile/DTH recharges — Google Pay, Android only — ₹500/month, combined with the 4% tier
- 4% cashback on Swiggy, Zomato, Ola — ₹500/month, combined with the 5% tier
Redemption
Cashback auto-credits to the statement; no manual point-redemption process (cashback card, not a points card).
Excluded from rewards: fuel, wallet reloads, gold/jewellery, EMI conversions, cash withdrawals, the card's own outstanding balance, rent, education, government services, insurance, financial institutions
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Widely regarded as a strong entry-level, free-annual-fee-achievable card — CardInsider
- Praised for lounge access at this price point and simple Google Pay bill-payment integration — CardInsider
Complaints
- 5% cashback tier is Android/Google-Pay-only, excluding iPhone users entirely — CardInsider
- Many small retailers with QR scanners don't support card payments, limiting practical use of the 5% tier — CardInsider
- E-commerce spend only earns the base 1.5% — CardInsider
Sources
- Official — fees, forex
- Official — product page (limited render, redirects to axis.bank.in)
- Aggregator — eligibility, lounge, rewards, sentiment
- Aggregator — eligibility, lounge, rewards, sentiment