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ValueHigh
VerdictTop Tier
VerifiedYes
Rating4.8/5
124 verified reviews
Executive Summary: The Axis Bank ACE Credit Card by Axis Bank is a Rewards offering featuring 2% cashback. Key benefits include 5% cashback on bill payments via Google Pay, 4% on Swiggy, Zomato, Ola. Most suitable for users seeking Best for households with high...
Axis Bank
Axis Bank ACE Credit Card
Data Verified
Last checked: 25 Feb 2026Best for households with high monthly electricity, gas, internet, and mobile bill spend.
Co-branded with Google Pay. Offers a massive 5% cashback on utility bills, DTH, and mobile recharge when paid via GPay app, and 2% flat cashback offline.
RewardsOnlineUtilities
Annual Fee
₹499
Annual fee waived on spending ₹2 lakh in previous year
Cashback
2%
Headline Rate
Forex Markup
3.5%
Standard Rate
Value Calculator
AI Powered
₹25,000
MinMax
Calculations are indicative based on the product's headline rates. Actual benefits may vary based on spend categories and credit profile.
Annual Savings
₹6,000
Based on your 2% cashback rate.
Expert Verdict
"Axis ACE is an incredible value utility card. 5% cashback on utility bills via GPay directly hits a heavy household spend column. The flat 2% cashback is also double the rate of entry cards. Verdict: Highly essential household budget card."
Key Privileges
Welcome BenefitNil standard joining benefit, fee waived on low milestone
Fee WaiverAnnual fee waived on spending ₹2 lakh in previous year
Interest Rate (APR)42%
Min. Income₹3 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700
- Min. Income₹3 lakh per annum
- EmploymentSalaried/Self