Axis Bank
ACE Credit Card
Your rating
Community rating
Joining Fee
₹499
Annual Fee
₹499
Reward Rate
1.5% – 5%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
cashback
Reward type
1.5% – 5%
Earn rate
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
Things to Keep in Mind
- No cashback on fuel spends
- No cashback on EMI transactions
- No cashback on wallet loading transactions
- No cashback on rental payments
- No cashback on jewelry and gold purchases
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Pros & Cons
- One of the best cashback cards for utility bill payments
- Strong rewards on food delivery and ride spends
- Simple cashback structure with statement credit redemption
- Good 1.5% base cashback rate for general spending
- Domestic lounge access adds extra value
- Annual fee is relatively low for the benefits offered
- Good everyday spending card for salaried users
- Cashback on 5% and 4% categories has monthly caps
- Best value depends heavily on Google Pay usage
- No international lounge access
- Forex markup is high for international spending
- Reward exclusions apply on fuel, EMI, wallet loads, and rent
- Lounge access now has spend-based eligibility conditions
- Limited premium travel and lifestyle benefits
Who is this card for?
Anyone looking for a high flat-rate cashback card without complex redemption. Ideal for people who pay utility bills online and use Swiggy, Zomato or Ola frequently.
Quick Links
Data last updated 17 Mar 2026