Axis Bank ACE is best for paying bills and earning flat cashback everywhere. 5% cashback on bill payments and recharges via Google Pay.
Effective value back per ₹100 spent. Cashback auto-credited to the statement.
Estimated yearly value after fees and caps for typical spending patterns.
| Balanced spender ₹3,96,000/yr spend | ₹7,560 |
|---|---|
| Online shopper ₹3,90,000/yr spend | ₹7,890 |
| Frequent traveller ₹8,04,000/yr spend | ₹8,604 |
| Family & groceries ₹5,88,000/yr spend | ₹11,040 |
4 domestic visits a year (spend-linked)
New fee Axis Bank
Priority Pass no longer works at domestic lounges, dynamic currency conversion charges rise, the late fee on balances above ₹50,000 goes up to ₹1,300, and gift card purchases stop earning rewards.
Axis Atlas · Axis ACE · Flipkart Axis · Airtel Axis · Source
Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.
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The Axis Bank ACE credit card has a joining fee of ₹499 and an annual fee of ₹499, plus 18% GST. The annual fee is waived if you spend ₹2,00,000 or more in a card year.
The Axis Bank ACE card is best for: paying bills and earning flat cashback everywhere. Its main strengths are: 5% cashback on bill payments and recharges via google pay; 4% cashback on swiggy, zomato and ola. Its main drawback: accelerated cashback capped at ₹500 per month.
The Axis Bank ACE card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup.
Yes: 4 domestic visits a year (spend-linked). Banks often attach spend conditions to lounge access, so check the latest terms.