Axis bank Ace Credit Card - Features, Benefits, Fees & Charges

Axis Bank Ace Credit Card (4.6)

Regular Best For: Cashback
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The card offers returns on electricity, water, and gas bill payments. It recharges using the Google Pay Android app. It also provides 4% cash back on popular food delivery apps like Zomato and Swiggy, as well as on Ola rides. If users pay their water and gas bills using the card, they earn rewards at an exceptional rate. Axis Bank targets working professionals with this credit card since these applications mostly have an employed client base.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
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.
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.
EMI Benefit

Any transaction above ₹2500 on the Axis Bank Ace Credit Card can be converted into EMI easily.

Cashback Benefit
  • 5% cashback on bill payments via Google pay towards DTH, internet, electricity, gas, etc.
  • 2% cashback on other spends.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹ 499

Annual Fee

₹ 499

Annual Percentage Rate

52.86%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

NA

Card Replacement Fee

Nil

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

Nil

Reward Point Value

NA
Late Payment Charges

balance below ₹500

₹ 0

balance from ₹501 to ₹5000

₹ 500

balance from ₹5001 to ₹10000

₹ 750

balance more than ₹10000

₹ 1200
Pros

Aspects that make this credit card amazing.

  1. 2% cash back on everyday purchases.
  2. 5% cash back on Google Pay bill payments.
  3. No cashback cap. Automatic redemption of cashback.
  4. No cashback is earned on fuel transactions
Cons

Aspects this credit card lacks.

  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.
Axis Bank Ace Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(4)

Customer Service

(4)

Axis Bank Ace Credit Card Review

The Axis Bank Ace Credit Card is an excellent one if a user is searching for a reward credit card with a low annual fee. The 5% reward on utility bill payments using Google Pay is an exciting feature. Also, the standard 2% cashback on all other purchases is a noteworthy feature. 

Axis Bank Ace Credit Card may not be the greatest option for travelers since it does not give higher reward points on any travel/airline brand or category. In this scenario, a travel credit card might help the user save on travel expenditures.

With an annual membership cost of ₹499 and additional cashback advantages on Google Pay (bill payments only) and other popular sites like Zomato, Swiggy, and Ola, it is a great entry-level credit card. In addition to the cashback perks, users receive four free domestic lounge visits, something very few entry-level cards provide. For a new user looking to start a user credit path, consider this credit card from Axis Bank.

Overview

Best For

Cashback and Android/Google Pay Users

Joining Fee

₹499 (reversed on spending ₹10,000 within 45 days of card issuance)

Renewal Fee

₹499 (waived off on a spend of ₹2,00,000 the previous year)

Welcome Bonus

None

Best Feature

5% cashback on bill payment, DTH, and mobile recharge via Google Pay

Who should get Axis Bank Ace Credit Card?

  • Users who want a cashback-based entry-level credit card and regularly use Google Pay for bill payments and mobile/DTH recharges.

  • Users who regularly eat out and order meals online using Swiggy or Zomato.

  • Users who want an entry-level credit card that also offers complimentary airport lounge access.

How to apply for Axis Bank Ace Credit Card?

The process to apply for an Axis Bank Ace Credit Card for a user is outlined below:

  • They can start by visiting the official website of Axis Bank.

  • Then, click 'Explore Products' on the navigation bar, then 'Cards,' then 'Credit Cards'.

  • Find 'Axis Bank Ace Credit Card' from the list and click 'Explore More' if the user wants to learn more about the card; otherwise, hit 'Apply Now'.

Axis Bank Ace Credit Card Eligibility

Applicants must be at least 18 to 70 years of age and have a steady source of income to be eligible for a credit card.

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
     
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
     
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.

Axis Bank Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

Axis Bank

Axis Bank Credit Card Customer Care Number:

1860 419 5555 / 1860 500 5555.

Axis Bank Card Offers:

View Offers
Axis Bank Credit Card News

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Axis Bank Ace Customer Reviews

Overall Rating

4

Based on 1 reviews

Rating Summary

5
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4
100%
3
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2
0%
1
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Review Analytics

Fees 0 votes

Interest Rate votes

Rewards 0 votes

Benefits 0 votes

Customer Service 0 votes

Frequently Asked Questions

The Axis Bank ACE Credit Card offers a variety of dining offers, including discounts at select restaurants, discounts on food delivery apps, and cashback on dining spending. Unlock up to 20% off your dining bills if paid through the ACE Credit Card, applicable at more than 4,000 partner restaurants in India.

The Axis Bank ACE Credit Card provides complimentary access to domestic and international airport lounges in India. Domestic lounge access is complimentary at select airports across the country.

Yes, the Axis Bank ACE Credit Card waives up to 1% of fuel surcharges on purchases made at any fuel station in India.

Axis Bank offers quick and simple customer service. Here are some customer service phone numbers: 1860-419-5555 for retail phone banking; 1860-500-5555 for corporate phone banking; 1800-419-5577 for agricultural/rural phone banking; 1860-500-4971 for corporate phone banking

The Axis Ace credit card is an excellent option for those seeking high value for a minimal annual membership fee. While most credit cards offer little or no rewards for utility bill payments, Axis Ace offers 5% cash back on such transactions made via Google Pay, which is a fantastic deal. Its advantages are increased by flat cashback rates of 2% on all online and offline transactions.

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