The Axis Bank ACE Credit Card offers solid value for everyday spending, featuring cashback on shopping and utility bill payments. With a base cashback rate of 1.5% and up to 5% savings on recharges and bill payments, it suits regular spenders. Cardholders also enjoy up to four complimentary domestic lounge visits each year.
The Axis Bank ACE Credit Card is a budget-friendly cashback card designed to reward everyday expenses. It stands out for offering up to 5% return on essential monthly payments, especially utility bills and mobile/DTH recharges—categories where most credit cards provide minimal or no savings. In addition to this, users can also earn higher cashback when transacting on popular apps such as Zomato, Swiggy and Ola, making it a practical option for individuals who spend frequently across these platforms.
While the boosted cashback rates add significant value, they are subject to monthly caps, which can limit total savings for high spenders. Even so, the base cashback rate of 1.5% remains attractive, particularly when compared to many entry-level cards that offer lower returns. Overall, the ACE Credit Card delivers a balanced mix of affordability and rewards, making it suitable for users seeking consistent savings on routine expenditures.
5% Cashback: Earned on utility bill payments and recharge transactions (electricity, gas, broadband, mobile, DTH, etc.) when completed through Google Pay.
4% Cashback: Applicable on spends made on select partner apps such as Swiggy, Zomato and Ola.
1.5% Cashback: Earned on all other eligible purchases made with the card.
Monthly Cap: The total cashback earned from the 5% and 4% categories together is limited to ₹500 per month.
Non-Eligible Transactions: No cashback is provided on spends like fuel purchases, utility payments made outside Google Pay, EMIs, rent payments, wallet loads, cash withdrawals, post-purchase EMI conversions, insurance, jewellery, education fees, card charges, and other excluded categories.
Airport Lounge Access: Enjoy up to four complimentary domestic lounge visits each year, provided you meet the minimum spending requirement of ₹50,000 in the preceding three months.
Annual Fee Waiver: The yearly fee is waived when your total eligible spending for the year reaches ₹2 lakh.
Dining Privileges: Get up to 15% savings on meals at partner restaurants when you book through EazyDiner.
Fuel Surcharge Relief: Receive a 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000, with a maximum benefit of ₹500 per month.
| Fee Type | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 499 + applicable taxes (Nil when applied via Paisabazaar) | ||||||||||
| Annual Fee | Rs. 499 + applicable taxes | ||||||||||
| Finance Charges | 3.75% per month (55.55% per annum) | ||||||||||
| Late Payment Charges |
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Choose This Card If:
Eligibility Requirements
If you want to deactivate your Axis Bank ACE Credit Card, it is recommended to follow the official cancellation process defined by Axis Bank to ensure a smooth and secure closure.
Evaluate Your Decision
Before initiating the closure, consider why you want to cancel the card. Reasons may include annual fees, limited usage, or switching to a different credit card. Also, remember that closing an older credit card can influence your credit score and history.
Clear All Pending Dues
Make sure your credit card account has no outstanding balance. Pay off all dues, including:
The bank will process the closure only after all dues are fully cleared.
Submit Closure Request
You can place your request using any of the following methods:
During the request process, you may need to provide:
Confirm Your Request
Avoid Using the Card
Dispose of the Card Safely
After receiving confirmation of closure:
Verify Credit Report
Important Points to Remember
If you need assistance related to your Axis Bank ACE Credit Card, you can get in touch with the customer support team of Axis Bank. The bank offers support for billing queries, payments, card blocking, reward points, and other credit card-related services.
Customer Care Helpline Numbers
WhatsApp Banking Support
You can also access quick assistance through WhatsApp banking:
This service helps you perform basic banking tasks and get instant support.
SMS Banking Services
To check your account balance:
Send BAL to 56161600 or 9951860002 using your registered mobile number
Other Support Channels
Axis Bank provides several additional ways to get help, such as:
Services Available
Important Points
No. Several categories are excluded from cashback, such as fuel purchases, EMIs, post-purchase EMI conversions, wallet top-ups, cash withdrawals, card-related fees, and outstanding bill payments. Additionally, utility bills and recharge payments made anywhere other than Google Pay do not qualify for cashback.
No. Only utility bill payments along with mobile and DTH recharges processed via Google Pay earn 5% cashback. Also note that the “pay with card” option for bills on Google Pay is available only on Android devices, so iOS users cannot use this feature.
Any transaction above ₹2,500 is generally eligible for conversion into an EMI after purchase.
Yes. Cardholders can use up to four complimentary domestic lounge visits per year, provided they meet the minimum spending criteria of ₹50,000 in the preceding three months. The updated list of eligible lounges is available on the Axis Bank website.
Yes. The dining partners include well-known brands like KFC, TGI Fridays, Tossin Pizza, Chicago Pizza and several other participating restaurants.
The 5% and 4% cashback categories together have a monthly cap of ₹500, meaning cashback in these segments will not exceed that limit in any billing cycle.
You can submit your application online through the Axis Bank website or via leading financial marketplaces by filling out the required details and completing the verification process.
