Axis ACE Credit Card Review 2026 – 5% Cashback on Bills, Google Pay Benefits & Apply Online
The Axis Ace Credit Card is one of the best cashback credit cards in India, specially designed for users who want to save money on utility bill payments and daily expenses. Issued by Axis Bank, this card is highly popular among Google Pay users because it offers 5% cashback on bill payments done via Google Pay. If you regularly pay electricity bills, mobile recharges, gas bills, or DTH, this card can help you save a significant amount every month. It is considered one of the most practical cashback cards for everyday use in 2026.
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 from second year onwards
- Annual Fee Waiver: Waived on yearly spending above ₹2 lakh (excluding rent & wallet transactions)
- Card Type: Cashback Credit Card
- Best For: Online users and young professionals looking for easy cashback savings
Fees & Charges:
| Feature | Details |
|---|---|
|
Interest Rate |
3.75% per month |
|
Late Payment Charges |
Nil (if due ≤ ₹500) |
|
₹500 (₹501 – ₹5000) |
|
|
₹750 (₹5001 – ₹10,000) |
|
|
₹1200 (above ₹10,000) |
|
|
Over-limit Fee |
2.5% (minimum ₹500) |
|
Cash Withdrawal Fee |
2.5% (minimum ₹500) |
|
Forex Markup |
3.5% on international spends |
Rewards & Benefits:
Cashback Structure:
- 5% cashback on utility bill payments
- 4% cashback on Swiggy, Zomato, and Ola
- 1.5% cashback on all other transactions (no upper cap)
- 👉 Cashback automatically gets credited to your card account — no manual redemption needed.
Lounge Access:
- 4 complimentary domestic airport lounge visits per year
Fuel Benefits:
- 1% fuel surcharge waiver
- Valid on transactions between ₹400 – ₹4000
- Maximum benefit up to ₹500 per statement
Dining Offers:
- Up to 15% discount at partner restaurants
EMI Conversion:
- Purchases above ₹2500 can be converted into EMI
Benefit Summary Table:
| Category | Benefit |
|---|---|
|
Utility Bills |
5% Cashback |
|
Food & Travel (Swiggy, Zomato, Ola) |
4% Cashback |
|
Other Spends |
1.5% Cashback |
|
Lounge Access |
4 visits/year |
|
Fuel |
1% surcharge waiver |
|
Dining |
Up to 15% discount |
|
EMI Option |
Above ₹2500 |
Eligibility Criteria:
- Must be an Indian resident
- Age should be between 18 to 70 years
- Final approval depends on bank’s internal policies
Who Should Apply?
This credit card is a great choice for users who spend mostly online and prefer a simple cashback system. It suits young professionals who want to earn cashback on daily expenses like food delivery, utility payments, and cab rides. If you frequently use platforms like Swiggy, Zomato, or Ola, this card can help you save consistently. It’s also beneficial for those who can spend ₹2 lakh annually to avoid the yearly fee. However, users with high offline spending may not get maximum value from this card.
Final Verdict
The Axis Bank ACE Credit Card is a strong cashback card for digital users. It offers a straightforward reward system with solid returns on everyday expenses. For beginners and young earners, it stands out as one of the most practical and rewarding credit cards in India.
Axis Bank ACE Credit Card : FAQs
✅ 1. Is Axis Bank ACE Credit Card good in 2026?
Yes, the Axis Bank ACE Credit Card is considered one of the best cashback credit cards in India for 2026, especially for users who spend heavily on utility bills, food delivery apps, and online transactions.
✅ 2. What is the cashback offer on Axis ACE Credit Card?
The Axis ACE Credit Card offers up to 5% cashback on utility bill payments, 4% cashback on Swiggy, Zomato, and Ola, and 1.5% cashback on all other spends with no upper limit.
✅ 3. What is the annual fee of Axis Bank ACE Credit Card?
The annual fee of the Axis Bank ACE Credit Card is ₹499. However, this fee can be waived if you spend more than ₹2 lakh in a year.
✅ 4. Is Axis ACE Credit Card lifetime free?
No, the Axis ACE Credit Card is not a lifetime free credit card. It has an annual fee, but users can get a fee waiver by meeting the yearly spending criteria.
✅ 5. What are the charges of Axis Bank ACE Credit Card?
The card has a 3.75% monthly interest rate, 3.5% forex markup fee, and additional charges like cash withdrawal and late payment fees depending on usage.
✅ 6. Does Axis ACE Credit Card offer lounge access?
Yes, the Axis ACE Credit Card provides 4 complimentary domestic airport lounge visits per year.
✅ 7. Is Axis ACE Credit Card good for international transactions?
No, the Axis ACE Credit Card is not ideal for international spending due to its 3.5% forex markup charges. Users looking for zero forex credit cards should consider other options.
✅ 8. Who should apply for Axis Bank ACE Credit Card?
This card is best suited for young professionals and online shoppers who want to earn cashback on everyday expenses like utility bills, food delivery, and cab bookings.
✅ 9. How is cashback credited in Axis ACE Credit Card?
The cashback earned on Axis ACE Credit Card is automatically credited to the card account, making it simple and hassle-free for users.
✅ 10. What is the minimum salary required for Axis ACE Credit Card?
The minimum salary requirement is not publicly fixed, but approval depends on factors like income, credit score, and bank policies.
SOME IMPORTANT LINKS
| Name | Links |
|---|---|
|
Apply Online |
|
|
Official Website |