Axis Ace Credit Card
Axis Bank
Last updated: Feb 03, 2026
₹499
₹499
3.5%
4 visits/yr
Contents
Axis Ace Credit Card offers high cashback benefits on everyday spends, including bill payments and food delivery. Enjoy 4 complimentary domestic lounge visits, a fuel surcharge waiver, and flexible EMI options. Ideal for cashback enthusiasts looking for value on daily expenses.
Features of Axis Ace Credit Card which makes it unique
Google Pay Exclusive Cashback
Highest cashback benefits when paying bills via Google Pay.
Maximize daily bill payments savings.
Best in class for utility bill cashback.
Rewards Structure of Axis Ace Credit Card
Bill Payments & Mobile Recharges"
acceleratedVia Google Pay only
Includes utilities, DTH, internet and mobile recharges.
Food Delivery & Ride
acceleratedOn Swiggy, Zomato, Ola
Great for foodies and frequent travelers.
Base
baseAll other retail purchases excluding non-cashback categories
Standard cashback on all eligible spends.
Fees & Charges of Axis Ace Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee waived on spends of ₹2,00,000 in the previous year.
Fee Explanation Standard bank rates apply on overdue amounts and cash transactions.
Detailed Explanation of Axis Ace Credit Card Fees
Joining Fee: 499 (one-time)
Reversed on spends of ₹10,000 within 45 days of card issuance.
Annual Fee: 499 (yearly)
Waived on annual spends above ₹2,00,000.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹500 per transaction.
Lounge Access Benefits with Axis Ace Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Valid for primary cardholder only at select domestic airports.
Additional Features of Axis Ace Credit Card
Contactless Payments
Tap and pay enabled for quick transactions.
EMI Conversion
Available on purchases above ₹2,500.
Welcome Bonus with Axis Ace Credit Card
Welcome Bonus: Gift vouchers worth ₹500 o
Bonus Conditions: Valid on payments made via Google Pay only, capped at Rs. 500 per statement cycle.
Application Process for Axis Ace Credit Card
Processing Time
7-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Axis Bank website or Google Pay app.
Upload KYC documents.
Receive verification call from Axis Bank.
Card dispatched within 7-10 business days.
Required Documents for Axis Ace Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Business Proof
self-employedAccepted documents:
Axis Ace Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at retail outlets and online merchants.
International Acceptance
Accepted globally wherever Visa is accepted.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Axis Ace Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar card required for application.
How Approval Is Decided
- Minimum income ₹25,000/month for salaried applicants.
- Indian resident with valid ID proofs.
- Credit score above 700.
Pros of Axis Ace Credit Card
- Generous cashback rates on bills and food delivery
- Free 4 domestic lounge visits per year
- Joining fee waiver with early spends
Cons of Axis Ace Credit Card
- Cashback capped at ₹500 per month on top categories
- No international lounge access
- Forex markup higher at 3.5%
Frequently Asked Questions about Axis Ace Credit Card
Is there a joining fee for Axis Ace Credit Card?
Yes, ₹499 joining fee, reversed on spending ₹10,000 within 45 days of issuance.
What is the annual fee waiver condition?
Annual fee of ₹499 is waived on annual spends of ₹2,00,000 or more.
What cashback do I get on utility bill payments?
Earn 5% cashback on utility bill payments made via Google Pay, capped at ₹500 monthly.
How many lounge visits are included?
Get 4 complimentary domestic lounge visits per year at select airports.
Are mobile wallets supported for payments?
Supported wallets include Google Pay, Samsung Pay, PhonePe, Paytm, Apple Pay, and Amazon Pay.
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