5% cashback on utility bill payments including electricity, water, gas, LPG and broadband, as well as DTH and mobile recharges, when paid via Google Pay using the Axis Bank ACE Credit Card, Android only
4% cashback on spends made on Swiggy, Zomato and Ola through their mobile apps or websites
1.5% unlimited cashback on all other eligible retail spends via UPI
Cashback from the 5% and 4% categories combined is capped at ₹500 per statement cycle
4 complimentary domestic airport lounge visits per calendar year at select airports
Fees
Joining FeeThe joining fee is not offset by any bonus or credit.
₹589
₹499 + GST
Annual FeeThe annual fee is waived if you spend ₹2 lakh or more in a year on your card, as per bank policy.
₹589
₹499 + GST
Eligibility
Age
18-70 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)Interest rate of 3.75% per month (55% p.a) is applicable on unpaid balances and cash advances if the total amount is not paid by the due date.
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card.
Not Applicable
Railway SurchargeSurcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges.
As prescribed by IRCTC / Indian Railways
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentA processing fee of 2% is charged for payments made through cheque at Axis Bank branches or drop boxes
2%
Cash Payment₹175 is charged for cash payments made towards the credit card bill at Axis Bank branches.
₹175
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹750
₹500
₹751 - ₹1200
₹750
Above ₹1200
₹1,200
Late Payment Charges will be applied if the Minimum Amount Due (MAD) is not paid by the due date. Charges range from ₹100 to ₹1,200 depending on the total outstanding balance. These charges will continue to apply in each billing cycle until the MAD is cleared.
Reward Exclusions
Fuel SpendsEMI TransactionsPurchases converted to EMI post factoWallet LoadsCash AdvancesRental PaymentPurchase of Gold/Jewellery ItemsInsurance Premium PaymentsEducational ServicesPayment of Outstanding BalancesPayment of Card Fees
Terms & Conditions
The bank may offer a different card variant based on your eligibility. Please read the final card details before applying
No minimum transaction is required to activate cashback on this card — cashback starts from your first eligible spend.
