Axis ACE Credit Card Review
Everything you need to know about the ACE Credit Card. Fees, rewards, and hidden benefits.
The Axis ACE has a ₹499 annual fee + GST, waived on ₹2,00,000 annual spend. It earns 1.5% back on regular spends and up to 5% on Google Pay, with 4 domestic airport lounge visits a year.
We may earn a commission if you apply through this link. It never affects our ratings.
The Bottom Line
The ACE Credit Card is built for general spends. With a ₹499 annual fee that is waived on ₹2,00,000 yearly spend, it offers 5% rewards on google pay (utility) and airport lounge access. It makes the most sense if your spending matches general spends.
It earns a base reward rate of 1.5% and stacks best when your spending lines up with General Spends. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealThis card works best for users who can fully use its strongest recurring benefits.
Probably not for
SkipIf the rewards categories do not match your spending, a lower-fee alternative may fit better.
Is It Worth It For You?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Spend ₹2,00,000 more to waive annual fee
Sign in for personalized estimates based on your actual spending
Reward Rates
ACE Credit Card offers 1.5% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Welcome Offer
Milestone Benefits
Annual/renewal fee of Rs. 499 (+GST) is waived if the cardholder spends Rs. 2,00,000 or more in the preceding one-year membership period.
Fees & Charges
Eligibility
- Min Income: ₹3 Lakhs
- Min Credit Score: 750
- Age 18-70, resident Indian; min monthly income ~Rs 50,000; CIBIL 750+ preferred; 5% cashback on bill payments via GPay.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI
- EMI transactions and purchases converted to EMI do not earn cashback.
Cash Advance
- Cash withdrawals/advances do not earn cashback and incur a cash advance fee of 2.5% (min Rs. 500).
Gold/Jewellery Purchases
- Purchases of gold, jewellery, or bullion do not earn cashback.
Card Fees and Outstanding Balance Payments
- Payment of card fees, other card charges, or outstanding balance does not earn cashback.
Frequently Asked Questions
7 data-backed answers from our card database
Ready to apply?
₹499 annual fee. Apply on the Axis Bank website.
Apply on Axis Bank →We may earn a commission if you apply through this link. It never affects our ratings.
Explore more on Vyaya
Bank comparisons
Guides & best picks
Browse by category