Axis Bank ACE Credit Card Review 2026: Fees, Rewards & Cashback
Get 5% cashback on utility bills via GPay and 4% on Swiggy/Zomato with Axis Bank ACE. Check fees, lounge access rules, and eligibility in our 2026 review.
The Axis Bank ACE Credit Card remains one of the best entry-level cashback cards in India, particularly for utility bills. While recent devaluations introduced a ₹500 cap on accelerated categories and a spend-based lounge criteria, its 1.5% base rate still outperforms most competitors.
Ace your savings with unlimited cashback on every spend.
The Bottom Line
The Axis Bank ACE Credit Card is the Axis Bank ACE Credit Card remains one of the best entry-level cashback cards in India, particularly for utility bills. While recent devaluations introduced a ₹500 cap on accelerated categories and a spend-based lounge criteria, its 1.5% base rate still outperforms most competitors. With a ₹499 annual fee that is waived on ₹2,00,000 yearly spend, it offers lounge access and 1% base rewards. For anyone researching axis bank ace credit card, the verdict is simple: recommended.
It earns a base reward rate of 1% and stacks best when your spending lines up with utility-optimizer, foodie-and-commuter. 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
IdealHighest cashback rate in the market for electricity, gas, and internet bills via GPay.
Strong 4% cashback on Swiggy, Zomato, and Ola rides.
Probably not for
SkipThe 5% utility cashback feature is not available on the iOS version of Google Pay.
Base rate of 1.5% is decent but capped categories limit total savings for heavy spenders.
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
Axis Bank ACE Credit Card offers 1% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Milestone Benefits
Joining fee reversal
Annual fee waiver
Fees & Charges
Eligibility
- Min Income: ₹6 Lakhs
- Min Credit Score: 750
- Primary cardholder must be aged between 18 and 70 years. Available for both salaried and self-employed Indian residents.
Exclusions & Terms
Fuel
EMI transactions
Wallet loading
Rental payments
Jewelry/Gold purchases
Insurance premiums
Educational services
Government services
Cash advances
Compare with Alternatives
Frequently Asked Questions
2 data-backed answers from our card database