Axis Bank Ace Credit Card – 5% Cashback on Utilities via Google Pay [Exclusive Offer]

Apply Now

Card Fees

₹499

Joining Fees

₹499

Annual Fees

3.5%

Foreign Transaction Fee

45%

APR

2.5%

Over-limit Fee

Eligibility Criteria

21-70

Minimum & maximum age criteria

₹20,000

Minimum monthly income

750

Minimum credit score

Category

, ,

Minimum Credit Score Required

750

Annual Charges

₹499

Features

  • 5% Cashback on Google Pay Bill Payments
  • 4% Cashback on Swiggy, Zomato & Ola
  • 1.5% Cashback on All Other Spends

Welcome Offer

  • 10% Cashback on First Swiggy and Zomato Transactions

The Axis Bank ACE Credit Card offers accelerated cashback on everyday spends, including 5% on Google Pay bill payments, 4% on food & travel, and 1.5% on all other purchases.

Written By:

Aftab Memon

Last Updated:

May 7, 2025

Key Features

  • 5% Cashback on Google Pay Bill Payments: Earn 5% cashback on bill payments, DTH, and mobile recharges via Google Pay.
  • 4% Cashback on Swiggy, Zomato & Ola: Enjoy 4% cashback on food delivery and ride-hailing services.
  • 1.5% Cashback on All Other Spends: Applicable to all other purchases, excluding fuel, EMI, and wallet loads.
  • 4 Complimentary Lounge Accesses: Avail 4 complimentary lounge visits per calendar year at select domestic airports.
  • 1% Fuel Surcharge Waiver: On fuel purchases between ₹400 to ₹4,000, with a maximum benefit of ₹500 per statement cycle.
  • Dining Delights: Up to 15% off at 4,000+ partner restaurants in India.
  • Convert Purchases to EMI: Convert transactions of ₹2,500 or more into easy EMIs.

Fees and Charges

Fee TypeAmount
Joining Fee₹ 499
Annual FeeAnnual Fee: 499 2nd year onward
Card Replacement feeNil
Cash Payment fee₹ 175
Over limit penalty2.5% of the over limit amount (Min Rs.500)
Foreign currency transaction fee3.5% of the transaction value
Reward Redemption feeNo

Pro and Cons:

Pros:

  • High cashback rates on everyday spends.
  • No merchant restrictions for cashback.
  • Fuel surcharge waiver benefits.
  • Complimentary lounge access.
  • Widely accepted globally.

Cons:

  • Foreign transaction fee of 3.5%.
  • High APR on outstanding balances.
  • Annual fee applies if spending criteria are not met.

How to Apply

Apply Now
  • Click on “Apply Now”
  • Fill in Personal Details
  • Upload Required Documents
  • Submit Application
  • Approval & Card Dispatch

Additional Information

Documents Required:

  • Aadhaar Card (with first eight digits masked)
  • PAN Card
  • Income Proof (Salary Slip, Income Tax Returns, etc.)
  • Bank Account Details
  • Photograph
  • Valid Government Address Proof
  1. What is the cashback rate on Google Pay bill payments?
    • You earn 5% cashback on all bill payments, DTH, and mobile recharges via Google Pay.
  2. Is there any annual fee waiver?
    • Yes, the annual fee is waived if total annual spends are ₹2,00,000 or more.
  3. What is the foreign transaction fee?
    • The foreign transaction fee is 3.5% of the transaction amount.
  4. How do I redeem my cashback rewards?
    • Cashback is automatically credited to your account and can be used for future payments or adjustments.
  5. What is the APR (Annual Percentage Rate) on outstanding balances?
    • The APR is 3.75% per month (45% p.a.) on any outstanding balance.
  6. How can I get an add-on card for a family member?
    • You can apply for add-on cards for your family members aged 18 years or above. Visit the Axis Bank website or call customer support for assistance.
  7. How is the late payment fee calculated?
    • The late payment fee is based on your outstanding balance and ranges from ₹500 to ₹1,200, depending on the amount due.

Related finds:

  1. Amazon Pay ICICI Credit Card: Unlimited Cashback in 2025
  2. SBI Cashback Credit Card Review 2025 – Flat 5% Cashback on All Online Spends
  3. Axis Indian Oil Credit Card: Save Big with 4% Fuel Cashback in 2025
  4. Axis Bank Vistara Signature Credit Card – Features, Fees, Benefits, and Drawbacks Explained

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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