Card Details · CardCheck

Key Benefits

5% cashback (capped at ₹500/month) on utility bill payments and recharges via Google Pay

4% cashback (capped at ₹500/month) on Swiggy, Zomato & Ola spends

1.5% cashback on all other eligible spends

4 complimentary domestic airport lounge visits per year

1% fuel surcharge waiver on ₹400–₹4,000 fuel transactions

Up to 15% dining discounts via Dining Delights

Annual fee waiver on ₹2 lakh annual spends

Cashback auto-credited to statement balance

Rewards

Earning rates across spend categories

5.00%

Other

Fees & Charges

Annual fee waived on spends of ₹200,000

Joining Fee	₹499 + GST
Annual Fee	₹499 + GST
Annual Fee Waiver	Available
Late Payment Fee	1200.00%
Foreign Currency Markup	3.50%
Cash Advance Fee	2.50%

About this Card

The Axis Bank ACE Credit Card is one of India's best entry-level cashback cards. It gives 5% cashback on utility bills, recharges and DTH via Google Pay, 4% on popular food-delivery, cab and OTT apps, and a flat 1.5% on all other spending — with no capping on most categories (5% and 4% accelerated categories have a combined monthly cap of ₹500.). The ₹499 annual fee is waived on spends of ₹2 lakh per year.

Exclusions

No cashback on fuel spends

No cashback on EMI transactions

No cashback on wallet loading transactions

No cashback on rental payments

No cashback on jewelry and gold purchases

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Eligibility

Min. Credit Score750+

Min. Age21 years

Max. Age65 years

SalariedSelf-EmployedProfessional

Income requirement may vary
Credit limit offered depends on your credit profile and relationship with the bank.

Pros & Cons

PROS

One of the best cashback cards for utility bill payments
Strong rewards on food delivery and ride spends
Simple cashback structure with statement credit redemption
Good 1.5% base cashback rate for general spending
Domestic lounge access adds extra value
Annual fee is relatively low for the benefits offered
Good everyday spending card for salaried users

CONS

Cashback on 5% and 4% categories has monthly caps
Best value depends heavily on Google Pay usage
No international lounge access
Forex markup is high for international spending
Reward exclusions apply on fuel, EMI, wallet loads, and rent
Lounge access now has spend-based eligibility conditions
Limited premium travel and lifestyle benefits

Who is this card for?

Anyone looking for a high flat-rate cashback card without complex redemption. Ideal for people who pay utility bills online and use Swiggy, Zomato or Ola frequently.

Quick Links

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Last updated: 13 Sep 2026