CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Axis Bank

Axis Bank Ace Credit Card

50
Ranked #32 of 170 in credit
creditVisaSignature

Axis Bank's popular entry-level cashback card known for high accelerated cashback on utility bills via Google Pay, plus food delivery and cab spends, at a very low annual fee.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value39/100 · weight 71%
≈ 2.02% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.4% score bonus — earns broadly without narrow category restrictions.
No rewards on: rent, education. Reward score is scaled by ×(1 − 2.9%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency96/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks29/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹499 + 18% GST
= ₹589 total
Annual fee
₹499 + 18% GST
= ₹589 / year total
Waiver: Joining fee reversed on Rs 10,000 spend within 45 days; annual fee waived on Rs 2 lakh annual spend (rent and wallet loads excluded from this threshold)
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
utilitiescashback5%₹500 / monthly5% cashback via Google Pay only (Android-only feature); shares combined Rs 500/cycle cap with 4% category
food_deliverycashback4%₹500 / monthly4% cashback on Swiggy, Zomato; shares combined Rs 500/statement cycle cap with 5% GPay category
diningcashback4%—4% on Swiggy, Zomato, Ola
all_spendscashback1.5%—Uncapped 1.5% base cashback on all other spends
fuelcashback0%—No cashback on fuel spends

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

fuelrentwallet loadgovernmentinsuranceeducationjewelleryemi

Welcome offer

Joining fee reversed as cashback on Rs 10,000 spend within 45 days

Milestone benefits

Pros

  • Uncapped 1.5% base cashback on all spends
  • 5% cashback on utility bills/DTH/mobile recharge via Google Pay
  • 4% on Swiggy/Zomato/Ola
  • low fee
  • 4 free domestic lounge visits (rare for entry-level card)

Cons

  • 5%+4% categories share a combined cap of Rs 500/statement cycle
  • Google Pay 5% feature Android-only (no iOS support)
  • no cashback on fuel, EMI, rent, wallet loads, gold/jewellery, insurance, education
  • base rate cut from 2% to 1.5% in April 2024 devaluation

What's inside

More benefits

  • Domestic Lounge Access

    4 complimentary visits per year

    yearly. Typically requires ₹50,000 spend in previous 3 months

  • Fuel Surcharge Waiver

    1% waiver on transactions between ₹400 and ₹4,000

    Cap ₹500 / monthly.

  • Dining discount

    ₹500

    Up to 15% discount at 4,000+ partner restaurants via EazyDiner

    unlimited. Via Axis Bank Dining Delights program

Insurance cover

text
₹NaN

Eligibility

text
Age 18-70, Indian resident, salaried or self-employed with steady income; no explicit minimum income stated

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 400-Rs 4,000 transactions, capped at Rs 500/statement cycle