Basic Information

Card Details Card Name: Axis Bank ACE Credit Card; Bank Name: Axis Bank; Card Type: Cashback Credit Card; Network: Visa (verify against the issued card variant)

Card Category Entry Level / Cashback-focused credit card

Payment Network Visa — verify the network on the specific card variant

Rewards Program

Cashback 5% cashback on eligible electricity, water, gas, LPG, broadband, DTH and mobile recharge payments through Google Pay on Android, subject to applicable category caps. 4% cashback on eligible Swiggy, Zomato and Ola transactions. 1.5% cashback on other eligible purchases, subject to exclusions and current terms.

Redemption Cashback is credited against the outstanding balance on the subsequent monthly credit-card statement, according to applicable cashback terms.

Travel Benefits

Airport Lounge Complimentary domestic lounge access has been subject to minimum eligible spending conditions. Verify the latest ACE-specific lounge eligibility before publishing.

Shopping Benefits

Online Shopping Eligible online purchases outside specially rewarded categories may earn 1.5% cashback, subject to exclusions and applicable terms.

Offline Shopping Eligible offline retail purchases may earn 1.5% cashback, subject to cashback exclusions.

Brand Offers Separate merchant promotions may be available from time to time; offers and eligibility vary.

Fuel Benefits

Fuel Savings Fuel transactions are excluded from cashback. A fuel surcharge waiver may apply under the applicable policy; verify ACE-specific limits and conditions.

Dining & Entertainment

Dining Eligible Swiggy and Zomato transactions earn 4% cashback under the designated cashback programme.

Entertainment No fixed complimentary OTT subscription or entertainment membership has been verified for this card.

Daily Spending Benefits

Utility Bills Eligible electricity, water, gas, LPG and broadband bill payments, plus DTH and mobile recharges through Google Pay on Android, may earn 5% cashback, subject to the applicable category cap and exclusions.

Grocery Eligible grocery purchases may earn the standard 1.5% cashback rate; merchant classification and exclusions apply.

Insurance Payments Insurance premium payments are excluded from cashback.

Insurance & Protection

Card Security Cardholders can report unauthorised transactions and request card blocking through the bank official support channels. Liability protection is subject to applicable cardholder terms and reporting requirements.

Digital Features

Payments Contactless payments are supported where enabled on the issued card and accepted by the merchant.

Banking Features Credit-card account and transaction management through Axis Bank mobile banking and internet banking services.

Add-on Features

EMI Features EMI conversion may be available on eligible purchases. EMI transactions and purchases converted to EMI are excluded from cashback. Applicable interest and fees depend on the EMI offer and terms.

Fees & Charges

Joining Charges Joining Fee: ₹500

Annual Charges Annual Fee: ₹500; Annual Fee Waiver: Eligible annual spends of ₹2,00,000, subject to applicable card terms

Finance Charges Interest Rate: 55.55% per annum, as listed in Axis Bank published Key Fact Sheet; confirm current applicable terms

Cash Advance Charges Cash Withdrawal Fee: 2.5% of the amount withdrawn, subject to a minimum of ₹500, under the applicable Axis Bank retail-card fee schedule

Forex Charges Foreign Currency Markup: Verify the current ACE-specific rate before publishing

Customer Support

Service Axis Bank credit-card support is available through its official customer-service channels.

Performance & Ratings

Best Usage Best For: Everyday cashback, eligible utility bills paid through Google Pay, food delivery, eligible ride-hailing transactions and regular retail purchases.

Advantages Cashback across multiple everyday spending categories; cashback on eligible Google Pay bill payments and recharges; cashback on eligible Swiggy, Zomato and Ola transactions; 1.5% cashback on other eligible purchases; cashback applied to the card statement.

Limitations Cashback category caps and exclusions apply. Utility cashback is restricted to eligible Google Pay transactions on Android. Fuel, insurance, rent, education, EMI and other transaction types may be excluded. Interest charges can be substantial if the bill is not paid in full.