The Axis Bank ACE Credit Card was launched on 12 October 2020 in partnership with Google Pay and Visa. It was made mainly for mobile and online users, with a contactless “tap-to-pay” feature for easy payments.
It is an entry-level card focused on cashback benefits. Users can earn unlimited cashback, especially while paying regular household bills like electricity, mobile recharge, and gas, and also while spending on partner apps such as Swiggy, Zomato, and Ola. All The Cashback works online options, but less so at physical stores.
The Axis Bank ACE runs on the Visa Signature network. Not, RuPay or MasterCard support. The card is a great collaboration model. Axis Bank handles limit, billing, EMIs and interest, while Google Pay is where certain higher cashback transactions become eligible.
Note: The card normally has an annual fee, but through some selected channels or special offers, it is occasionally provided as LTF (lifetime free).
How Much Cashback Does the Axis Bank ACE Credit Card Give? Full Details
Axis ACE Credit Card Cashback System (2026)
Electricity, water, gas, broadband, DTH and mobile recharge.
Condition: Payment must be done using Google Pay.
Available on Swiggy, Zomato and Ola spends.
Online shopping, offline stores, medical shops, supermarkets and POS machine payments.
No spending limit.
Fuel, EMI transactions, wallet load, rent, gold purchase, insurance, education fees and government payments.
After reaching ₹500:
• Spending may give only 1.5% cashback
• Some merchants may give zero cashback depending on transaction category
The payment must be done inside Google Pay bill payment section using the credit card.
Monthly electricity bill: ₹2,000 → cashback ₹100
Broadband bill: ₹800 → cashback ₹40
Food orders: ₹3,000 → cashback ₹120
Total monthly cashback ≈ ₹260
Yearly saving ≈ ₹3,000+ without changing spending habits.
Use this card mainly for household bills and food delivery. Avoid using it for rent, insurance or wallet transfers because bank does not give cashback on those payments.
What are the Other Features and benefits of Ace?
Cashback is the main reason people take the ACE card, but the bank also gives some extra lifestyle-type benefits –
Other Benefits You Get (Not Only Cashback)
Airport Lounge Access
You get 4 free domestic airport lounge visits in one year.Condition: in the last 3 months you must spend ₹50,000 or more on the card.
This rule started from 1 May 2024. After completing spending, next quarter lounge entry becomes active.
Dining Discount
Card is part of Axis Bank Dining Delights program.Up to 15% discount (max ₹500) available at 4,000+ restaurants across India when booking through EazyDiner.
Useful if you sometimes visit restaurants with family or friends.
Fuel Surcharge Waiver
1% fuel surcharge waiver at petrol pumps.Valid on transactions between ₹400 and ₹4,000.
Maximum benefit ₹500 per month.
Annual Fee Waiver
Yearly card fee is ₹499.If you spend ₹2 lakh in a year, bank cancels the annual fee automatically.
EMI Conversion Facility
Any purchase of ₹2,500 or more can be converted into monthly EMI.Large payments become small instalments.
Joining Fee Reversal
Joining fee ₹499 is usually returned if you spend ₹10,000 within 45 days after card activation.Sometimes bank or partners also offer lifetime free approvals depending on the offer channel.
Try to pay all monthly home bills (electricity, broadband, mobile recharge) in the same week every month using Google Pay. By doing this, you reach the ₹500 monthly cashback cap properly and don’t waste small payments across different months. Many users split bills on different dates and unknowingly lose 5% cashback benefit.
Real-Life Value of Axis Bank ACE Card (What You Actually Save)
People mainly take ACE card for cashback, but honestly the real benefit you understand only after using it 2–3 months. Below is a simple example of a normal middle-class monthly usage.
| Monthly Spend Type | Average Monthly Spend | Cashback / Benefit | What You Get |
|---|---|---|---|
| Electricity + Gas + Broadband Bills (Google Pay) | ₹3,000 | 5% | ₹150 back |
| Mobile Recharge / DTH | ₹500 | 5% | ₹25 back |
| Swiggy / Zomato Orders | ₹2,000 | 4% | ₹80 back |
| Ola / Local Cab | ₹1,000 | 4% | ₹40 back |
| Grocery + Kirana + Medical + Other Shopping | ₹8,000 | 1.5% | ₹120 back |
| Fuel (Petrol Pump) | ₹3,000 | 1% surcharge saved | ~₹30 saved |
| Dining Discount (1 outing) | ₹1,200 bill | 15% off | ~₹180 saved |
Yearly Value (Practical Understanding)
| Benefit Type | Approx Yearly Saving |
|---|---|
| Cashback from spends | ~₹6,000 – ₹7,000 |
| Fuel surcharge savings | ~₹300 – ₹500 |
| Dining discounts | ~₹1,500 – ₹2,000 |
| Lounge visits value | ~₹2,000+ (4 visits) |
Axis ACE Credit Card Limit (How Bank Decides)
The credit limit of the ACE card is not the same for everyone. The bank checks your profile and then gives limit. Mainly, they see your income, credit history and job stability.
How the limit is decided
Income basis
- Usually starting limit comes around 2–3 times of your monthly salary.
- Example: if the salary is ₹50,000, then the limit may come near ₹1 lakh to ₹1.5 lakh.
Credit history (CIBIL score)
- If your CIBIL score is 750+, then the chances of a higher limit are good.
- If you are new to credit and taking your first card, the starting limit can be small — around ₹15,000 to ₹30,000.
Bank internal checking
Axis Bank also checks this:
- running loans or EMIs
- your age, job stability
- past repayment behaviour
Normal Starting Limit Examples
| Monthly Income | Expected Starting Limit |
|---|---|
| ₹25,000 | ₹50,000 – ₹75,000 |
| ₹50,000 | ₹1,00,000 – ₹1,50,000 |
| ₹1,00,000+ | ₹2,00,000 – ₹3,00,000 |
How to check your limit
You can see your limit inside the Axis Mobile App in the Credit Cards section. Or send SMS: CLE XXXX (last 4 digits of card) to 56161600.
When the limit increases
If you use the card properly for about 5–6 months and pay bills on time, the bank usually gives a limit increase offer. Sometimes a pre-approved offer comes directly in the app. You just accept it — normally, no extra documents required.
What are the Fees & Charges (Simple Understanding)
Real Cost of Axis ACE Credit Card (Important Before Applying)
Basic Card Charges
| Description | Charges |
|---|---|
| Joining Fee | ₹499 (sometimes ₹0 in special or selected channel offers) |
| Annual Fee | ₹499 from 2nd year |
| Annual Fee Waiver | Free if yearly spending crosses ₹2,00,000 |
| Card Replacement | Free |
| Mobile SMS Alerts | Free |
| Duplicate Statement | Free |
| Balance Enquiry | Free |
| Outstation Cheque / Slip Copy | Free |
Interest & Cash Related Charges
| Type | Charges |
|---|---|
| Interest (if bill not fully paid) | 3.75% per month (≈ 55.55% yearly) |
| Cash Withdrawal Fee | 2.5% (minimum ₹500) |
| Cash Payment at branch | ₹175 |
| Foreign Currency Transaction | 3.5% of amount |
Late Payment Charges
| Total Due Amount | Late Fee |
|---|---|
| Up to ₹500 | ₹0 |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| Above ₹10,000 | ₹1,200 |
Other Important Penalties
| Charge Type | Fee |
|---|---|
| Over limit usage | 2.5% (min ₹500) |
| Cheque bounce / auto-debit failure | 2% (min ₹500) |
| Rent payment | 1% per transaction + GST |
| Railway ticket surcharge | As per IRCTC rules |
| Reward redemption fee | No charges |
If you start carrying balance or withdrawing cash, then interest and penalties can quickly become expensive.
Credit cards reward disciplined users and punish careless usage — ACE card works exactly like that.
Axis Bank ACE Credit Card Eligibility, Documents & How to Apply (via easemoney.in)
Eligibility Criteria
- Age: 18 to 70 years
- Resident: Must be living in India
- Employment: Both salaried and self-employed people can apply
- Income: No fixed public number, but regular and stable income is required
- Credit Score: Around 750+ CIBIL is preferred for easy approval
Required Documents
Identity Proof (any one)
- Aadhaar Card
- PAN Card
- Passport
- Voter ID
- Driving Licence
Address Proof (any one)
- Aadhaar Card
- Latest electricity/water/telephone bill (within 3 months)
- Passport
Income Proof — Salaried
- Last 3 months salary slips
- or Form 16
- or bank statement showing salary credit
Income Proof — Self Employed
- Latest ITR return
- Income computation / CA financials (about last 2 years)
Other
- PAN Card is compulsory
- One passport size photo (sometimes not required in online KYC)
How to Apply via easemoney.in
Axis Bank ACE vs Other Cashback Cards (Reality Check)
Even in 2026, the Axis Bank ACE Credit Card is still a strong option in entry-level cashback cards, especially for offline shopping and household bill payments.
Its biggest strength is the unlimited 1.5% cashback on normal spends, which many similar cards still don’t give properly.
Quick Comparison
| Feature | Axis Bank ACE | SBI Cashback Card | HDFC Millennia |
|---|---|---|---|
| Joining / Annual Fee | ₹499 (Free after ₹2L yearly spend) | ₹999 (Free after ₹2L spend) | ₹1,000 (Free after ₹1L spend) |
| Online Shopping | 1.5% unlimited | 5% (₹5,000 monthly cap) | 5% on selected partners (₹1,000 cap) |
| Utility Bills | 5% via Google Pay | 1% | 1% |
| Food / Cab Apps | 4% Swiggy, Zomato, Ola | 5% online | 5% Swiggy, Zomato, Uber |
| Offline Spending | 1.5% unlimited | 1% | 1% |
| Lounge Access | 4 per year (spend condition) | No lounge | 1 per quarter (spend based) |
What Each Card is Best For
- Best for Utility Bills → Axis ACE –
- If you pay electricity, recharge, gas etc through Google Pay, the 5% cashback makes real difference (especially Android users).
- Best for Online Shopping → SBI Cashback Card
- For heavy Amazon/online buyers, SBI card wins because almost every website counts as 5% online spend.
- Best for Brand-specific users
- Flipkart users → Flipkart Axis Card better.
- Airtel users → Airtel Axis Card gives very high cashback on telecom bills.
- Airport Lounge ACE gives 4 domestic visits yearly, while SBI Cashback gives none.
Easemoney Real Tip
If your spending is mixed — kirana shop, medical store, petrol pump, and monthly bills, keep ACE as daily card. If most spending is online shopping only, then SBI Cashback will earn more for you.
Frequently Asked Questions
What is Axis Bank ACE Credit Card’s customer care number?
You can call 1800 209 5577 or 1800 103 5577 anytime (toll-free India). Keep last four card digits ready. Faster help happens morning 9am–6pm. Night support mainly blocks, card issues, urgent complaints.
Does Axis Bank ACE Credit Card come on RuPay network?
No. ACE card comes only on Visa Signature network. If you want UPI-RuPay credit card, Axis usually gives NEO or IndianOil card. ACE cashback system is built mainly around Google Pay platform.
Is there any monthly spending limit on ACE Credit Card?
There is no fixed monthly spending cap. You can spend till your approved credit limit. Only cashback categories have ₹500 monthly cap; after that, spending still works but extra cashback usually stops.
How much credit limit do people usually get?
Most first-time users receive around ₹40,000–₹1.5 lakh depending on salary and CIBIL. Example: ₹30k salary often gets ₹50k limit. After six months good usage and full payment, bank normally increases automatically.
Is Axis Bank ACE Credit Card really lifetime free?
Normally no. Annual fee ₹499 applies. But some partner offers or pre-approved campaigns make it LTF. Always confirm during call or application page screenshot, otherwise bank will charge next year automatically.
What is the biggest mistake new users make with this card?
Many users withdraw ATM cash or pay only minimum due. Then 3.75% monthly interest starts — very heavy. Best tip: always pay full bill before due date, card becomes profit tool instead of loan.
What interest rate does Axis Bank ACE Credit Card charge?
Interest is about 3.75% per month (around 55% yearly) if you don’t pay full bill. After due date, interest starts daily. Example: ₹20,000 unpaid quickly becomes costly within two months.
