Axis Bank ACE Credit Card
Ace your cashback game with uncapped rewards
Annual Fee
₹499
Base Rewards
2.0%
Forex Fee
3.5%
Expert Verdict
The Axis Bank ACE Credit Card remains one of the strongest cashback cards in the Indian market, primarily due to its uncapped 2% base rate which outperforms almost all competitors in the entry-level segment.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹11,501
Year 2+
+₹11,501
Fee waiver eligible!
Why get this card
Industry-leading 2% flat cashback on all eligible spends with no upper limit
High 5% cashback on utility bills, DTH, and mobile recharges via Google Pay
4% cashback on popular apps like Swiggy, Zomato, and Ola
Watch out for
5% cashback on utilities is restricted to Google Pay on Android devices
Domestic lounge access now requires a minimum spend of ₹50,000 in the previous quarter
No cashback on major categories like Rent, Insurance, Fuel, and Education
Who is this card for?
Best for
cashback seeker
Users who want a simple, high-reward cashback structure for both online and offline spends.
Min: ₹15,000/mo
utility payer
Android users who pay significant utility bills (Electricity, Gas, Water) via Google Pay.
Min: ₹5,000/mo
Skip if you're
international traveler
The card lacks international lounge access and has standard foreign currency markup fees.
ios user
iPhone users cannot access the 5% utility cashback as GPay on iOS does not support the required bill pay features.
Base Earning
2 Cashback
per ₹100 spent
2.0%
effective rate
Point value: ₹1.00/point
Bonus Categories
Google Pay - UTILITIES
2.5×
5% return
Swiggy/Zomato/Ola - DINING
2×
4% return
Welcome Offer
No standard welcome bonus; occasionally joining fee is waived as a limited-time promotional offer.
Milestones
Spend ₹2.0L
Annual fee of ₹499 is waived on reaching annual spends of ₹2 Lakhs.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Upgrade Path
Move up or down within this bank