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Axis Bank · Visa · हिन्दी

Axis ACE Credit Card: full review

The Axis ACE is one of the best everyday cashback cards in India. The 5% on utility bills via Google Pay is the highest utility rate among general cashback cards, and the 1.5% uncapped base rate beats most competitors at this fee level.

Apply now ↗Annual fee: ₹499 + taxes
Last updated: August 2026 · Current terms verified
AXIS BANK
VISA
)))
ACE
ASHOK KUMAR
12/28
₹499 + taxes (waived on ₹2L annual spend)Annual fee
5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spendsReward structure
4 domestic visits/year (on ₹50,000/quarter spend)Lounge access
5% cashback on utility bills (electricity, gas, water, broadband, DTH, mobile recharge) via Google Pay4% on Swiggy, Zomato and Ola1.5% cashback on all other spends, no cap5% + 4% categories share combined ₹500/month capAnnual fee waived on ₹2L spend
Apply now ↗ Min. income: ₹3L+ per year · Credit score: 700+
Pros and cons
Pros
✓ Best utility bill cashback at 5% via Google Pay
✓ Strong 1.5% uncapped base rate
✓ 4 lounge visits at low fee
✓ Auto cashback, no redemption needed
Cons
✗ 5% utility only via Google Pay Android (not iOS)
✗ ₹500 combined cap on 5% and 4% categories
✗ No cashback on fuel, rent, wallet loads, insurance
✗ Base rate reduced from 2% to 1.5% in 2024
Quick facts
Issuer Axis Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹2L annual spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (on ₹50,000/quarter spend)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceAxis Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for Axis ACE Credit Card is ₹499 + taxes (waived on ₹2L annual spend). The joining fee is ₹499.
5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends
Axis ACE Credit Card is best for Utility bill payments and everyday flat cashback. The Axis ACE is one of the best everyday cashback cards in India. The 5% on utility bills via Google Pay is the highest utility rate among general cashback cards, and the 1.5% uncapped base rate beats most competitors at this fee level.
The minimum income requirement for Axis ACE Credit Card is ₹3L+ per year. A minimum credit score of 700+ is also recommended.
Yes, Axis ACE Credit Card offers 4 domestic visits/year (on ₹50,000/quarter spend).
Axis ACE Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Grocery Shopping →Best Cashback Credit Cards →Best Credit Cards for Utility Bill Payments →
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Axis ACE₹499 + taxes
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