AXIS
Axis ACE Credit Card
Axis Bank
Ace your everyday rewards
Annual Fee₹499
Rewards5% cashback on bill payments
Welcome Bonus₹500 Google Play credit
Key Benefits
- 5% cashback on bill payments via Google Pay
- 4% cashback on Swiggy, Zomato
- 2% cashback on all other spends
- Zero forex markup
- Fuel surcharge waiver
- No cashback cap on base category
Eligibility Criteria
Age18 – 70 years
Minimum Income₹15,000/month (salaried) or ₹4 lakhs/year (self-employed)
Credit Score700+ CIBIL score
EmploymentSalaried, Self-employed
Fees & Charges
| Annual Fee | ₹499 (waived on ₹2L annual spend) |
| Joining Fee | Free |
| Late Payment Fee | ₹750 |
| Foreign Transaction Fee | 0% |
| Cash Advance Fee | 2.5% of amount (min ₹500) |
| Interest Rate | 3.49% per month (41.88% p.a.) |
Pros & Cons
Advantages
- Excellent base cashback of 2%
- Zero forex markup - great for travel
- Free joining
- No cashback cap on 2% category
- Good for everyday spends
Disadvantages
- Limited lounge access
- Cashback cap on accelerated categories
- Must use Google Pay for bill payments
- Annual fee if spend target not met
Frequently Asked Questions
Axis ACE Credit Card
- Annual Fee₹499
- Joining FeeFree
- Credit Limit₹50,000 – ₹3,00,000
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Disclaimer: The information provided is for reference only. Credit card approval is subject to the bank's terms and conditions. Interest rates, fees, and benefits may change without notice. Please verify details on the official bank website before applying.