CardTrail
Axis ACE Credit Card credit card
Cashback

Axis ACE Credit Card

Axis logo Axis
8.0
CardTrail Score
Very Good
out of 10
💰 Net Value
6.5
🔓 Accessibility
8.3
⚡ Feature Depth
4.6
🏦 Bank Trust
6.0
How we score →
Compare This Card Full Details
Annual Fee
₹499
Spend ₹2L/year
Forex Markup
3.5%
Reward Rate
1.5%
Up to 5%
Lounge Access
4
domestic | 0 intl

About This Card

The Axis ACE is India's best card for bill payments — 5% cashback on utility payments through Google Pay, CRED, and PhonePe. The 2% base cashback on all other spends (above ₹200) is also among the highest in India. Zero joining fee makes it a no-brainer for everyday spending.

Pros & Cons

Pros

  • 5% on utility bill payments — unique in India
  • Zero joining fee
  • High 2% base cashback on everything
  • 4 domestic lounges

Cons

  • ₹200 minimum transaction for 2% cashback
  • 3.5% forex markup
  • Cashback caps apply monthly

Fee Details

Annual Fee
₹499
Joining Fee
₹499
Fee Waiver Condition
Spend ₹2L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
1.5%
Max Rate
5%
Currency
Cashback
Welcome Bonus
None

Lounge Access

Domestic Lounges
4
per quarter
International Lounges
0

Key Highlights

  • + 5% on bill payments (Google Pay, CRED, PhonePe)
  • + 4% on Swiggy, Zomato, Ola
  • + 2% on everything else (above ₹200)

Compare With...

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Quick Summary

Best For
cashback bill payments
Annual Fee ₹499
Base Reward 1.5%
Max Reward 5%
Forex Markup 3.5%
Network Visa Signature
Min Income ₹3L+
Compare This Card

CardTrail Score

8.0
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

cashback bill payments beginner

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