Cashback
Axis ACE Credit Card
Axis 8.0
CardTrail Score
Very Good
out of 10
Annual Fee
₹499
Spend ₹2L/year
Forex Markup
3.5%
Reward Rate
1%
Up to 5%
Lounge Access
4
domestic | 0 intl
About This Card
The Axis ACE is India's best card for bill payments — 5% cashback on utility payments through Google Pay, CRED, and PhonePe. The 2% base cashback on all other spends (above ₹200) is also among the highest in India. Zero joining fee makes it a no-brainer for everyday spending.
Pros & Cons
Pros
- 5% on utility bill payments — unique in India
- Zero joining fee
- High 2% base cashback on everything
- 4 domestic lounges
Cons
- ₹200 minimum transaction for 2% cashback
- 3.5% forex markup
- Cashback caps apply monthly
Fee Details
Annual Fee
₹499
Joining Fee
Free
Fee Waiver Condition
Spend ₹2L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1%
Max Rate
5%
Currency
Cashback
Welcome Bonus
None
Lounge Access
Domestic Lounges
4
per quarter
International Lounges
0
Key Highlights
- + 5% on bill payments (Google Pay, CRED, PhonePe)
- + 4% on Swiggy, Zomato, Ola
- + 2% on everything else (above ₹200)
Compare With...
See how Axis ACE Credit Card stacks up against top alternatives
Want the Full Picture?
Compare the Axis ACE Credit Card side-by-side with any card in our database. Use our comparison tool to see which card truly fits your spending pattern.
CardTrail is an independent research platform. Our ratings are not influenced by commercial relationships.
Quick Summary
Best For
cashback bill payments
Annual Fee ₹499
Base Reward 1%
Max Reward 5%
Forex Markup 3.5%
Network Visa Signature
Min Income ₹3L+
CardTrail Score
Best For
cashback bill payments beginner
