Axis Ace Credit Card Review: By invite only

Axis Ace Credit Card

The Axis Ace Credit Card has gained popularity among cashback enthusiasts for its enticing rewards and low annual fee. This review provides a concise overview of the card’s benefits, charges, and features to assist both existing cardholders and potential applicants.

Fees of Axis Ace Credit Card

Joining FeeRs. 499 + GST
Annual FeeRs. 499 + GST
Joining Fee WaiverSpend > Rs. 10,000 within 45 days for joining fee waiver
Annual Fee WaiverSpend > Rs. 2 lakh in the previous year for annual fee waiver
Above information as mentioned in latest MITC

Reward Rate

Payment TypeReward Rate
Bill Payments (Google Pay)5% cashback, max Rs. 500 per cycle
Swiggy, Zomato, Ola4% cashback, no cap
Other Purchases2% flat cashback
ExclusionsNo cashback on certain transactions like educational services, fuel, rental payments, insurance premiums, EMI transactions, and gold/jewelry purchases
Cashback will be credited as statement credit

  • Cashback credited three days before the statement generation date.
  • No cashback redemption fee.

Other Benefits

Airport Lounge Access

  • Domestic lounge access: 8 visits per calendar year for lounges in India.
  • Primary cardholders eligible via Visa Signature or MasterCard World network.
  • International lounge access: No free visits

Fuel Surcharge Waiver

  • 1% waiver for transactions between Rs. 400 and Rs. 4,000.
  • Max waiver: ₹500 per statement cycle.

Forex Markup

  • Forex markup: 3.5% + GST.


Axis Bank Ace Credit Card

CC Expert

Axis Ace Credit Card


The Axis Ace Credit Card presents compelling benefits with substantial cashback rewards at a nominal annual fee. The generous cashback rates on bill payments, popular platforms, and unlimited 2% cashback on other purchases make it an ideal choice for cashback enthusiasts and for those seeking a credit card with direct cash benefits. Additional perks such as airport lounge access and fuel surcharge waiver enhance its overall value.
However, some users have reported issues with cashback tracking.
The card is currently available on an invite-only basis or through the Axis Bank mobile app or Google Pay (GPay) app with a pre-qualified offer.


CC Expert Tip

  • Recommended: Pay bills of Rs. 10,000 on Google Pay for Rs. 500 cashback monthly.
  • Unlimited 2% cashback on all other merchants.

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