Axis Ace Credit Card Review

Axis Ace credit card is a darling of all cashback lovers with its best-in-class unlimited 2% cash back on offline spending and 5% on paying bills via Google Pay.



Here's an updated review of its benefits amid all the devaluations!

Charges and Welcome Benefits​

Joining Fees	₹499 + GST
Welcome Benefits	NIL
Annual Fees	₹499 + GST
Annual Fee Waiver	Spend ₹2L on your card in a year for an annual fee waiver*.
Add-on Fees	NIL
Card Category	Cashback

• *Rental and Wallet Transactions not included in annual fee waiver.

Reward Rate​

Spends Area	CashbackRate	Capping
Bill Payments on Google Pay (Electricity, Internet, Gas, DTH, and Mobile Recharges)	5%	Maximum cashback of ₹500 per statement cycle.
Swiggy, Zomato and Ola	4%	Same as above combined capping.
Other Spends*	2%	NIL

• *Cashback cannot be earned on transactions made on Educational Services, Fuel Spends, Rental Payments, Insurance Premium Payments, EMI transactions or purchases converted to EMI, Wallet loading transactions, Govt Payments and Gold/Jewelry Purchases
• Cashback earned for the purchases during the current billing cycle will be credited in the next billing cycle 3 days before the statement generation date
• No cash-back redemption fee is applicable

This card is still a leader for offline spending since it offers 2% unlimited flat statement credit at such a low fee point. This credit card has one of the most clean statements I have ever seen regarding cashback calculations.

Other Benefits​

Airport Lounge Access​

Domestic Airport Lounge Access
Complimentary Limit – 4 Visits/ Calendar year within India only for primary cardholders.
Access Via – Credit Card
Network – Visa Signature/ MasterCard World

Fuel Surcharge Waiver​

1% waiver for transactions between ₹400 to ₹4000. Maximum surcharge waiver of ₹500 per statement cycle.

Forex Markup​

Forex markup charges are applicable of 3.5%+GST.

TechnoFino Maximum​

Paying bills of ₹10,000 on the Google Pay app or using the card on select merchants ₹12,500 will maximize your savings of ₹500 per month. Rest the card can be used on all offline and online merchants for unlimited 2% cashback.

TechnoFino Recommends​

Amid all the devaluations this card still has some steam left especially the 2% unlimited cashback on offline spending. At such a low fee point, easy to achieve fee waiver, and reasonable cappings on a usually low rewarding category like bill payments this card is a showstopper as of now.

Currently, the Axis Bank credit card is being issued only by Google Pay on an invite-only basis. You can also apply it on the Axis Bank mobile app if you have a pre-qualified offer. I had used this card quite extensively along with Axis Flipkart since its launch but got rid of them in 2023 when I started transitioning to travel credit cards. A word of caution for Apple users since GPay doesn't support bill payments using a credit card on iOS.

Are you holding the Axis Ace Credit Card? Tell us in the comments below about your experience.

 

[sahildca]

Bill Payments on Google Pay (Electricity, Internet, Gas, DTH, and Mobile Recharges)

5%

Maximum cashback of ₹500 per statement cycle.

mobile recharge on google pay add extra convenience fee . (even you pay with axis ace or UPI)

 

[Rohith-2009]

mobile recharge on google pay add extra convenience fee . (even you pay with axis ace or UPI)

I did not see convenience fee in my account still. I have Ace too

 

[rakkuvgd]

mobile recharge on google pay add extra convenience fee . (even you pay with axis ace or UPI)

I was also charged convenience fee

 

[parthpandey]

Welcome benefits are 500 rupees pay cashback

 

[sahildca]

I did not see convenience fee in my account still. I have Ace too

i have tried gpay both in Android and in ios with different account, shown convenience fee for mobile recharge

 

[Akr706]

My friend got it via google pay. I don't remember the offer correctly, but wasn't it FYF? Because she just got charged the joining fees in the first month statement.

 

[Rohith-2009]

My friend got it via google pay. I don't remember the offer correctly, but wasn't it FYF? Because she just got charged the joining fees in the first month statement.

Spend 10k within 30 days to reverse the joining fee.


This offer will be there

 

[Akr706]

Spend 10k within 30 days to reverse the joining fee.


This offer will be there

Yes, that's the general offer. I mean, isn't it FYF for people applying via gpay?

 

[Rohith-2009]

Yes, that's the general offer. I mean, isn't it FYF for people applying via gpay?

I think gpay will give 500 Rs cashback

 

[drsbshetty]

There is no mention in ace cc terms & conditions mentioning that education payment is excluded. I mean, education payment should get cashback. Anybody who has got cashback for education payment plz acknowledge & which month

 

[Farhad sekh]

There is no mention in ace cc terms & conditions mentioning that education payment is excluded. I mean, education payment should get cashback. Anybody who has got cashback for education payment plz acknowledge & which month

Here it is

 

[cardy]

I have got it pre approved
And no convenience fee till now

 

[FinoGuy]

I have got it pre approved
And no convenience fee till now

Ltf or paid? I guess paid it is. But still asking to confirm

 

[cardy]

Ltf or paid? I guess paid it is. But still asking to confirm

Paid
I think it's not provided LTF
More precisely axis cashback cards are generally not provided LTF

 

[cardy]

Ltf or paid? I guess paid it is. But still asking to confirm

Waise bhi axis Ace or axis Airtel ka fees deneme koi dard nahi hota.
Q ki kayi Guna jyada de jata hai

 

[FinoGuy]

Waise bhi axis Ace or axis Airtel ka fees deneme koi dard nahi hota.
Q ki kayi Guna jyada de jata hai

Earlier some ppl hv applied ace LTF via offline mode ( there may be online ltf ones also but I'm not aware of anybody getting).
For airtel card agreed. But for ace, unless your offline spends are high you can't justify paying 590rs now.. For recovering 590rs fees itself , you've to spend 29500rs offline(considering 2%).
moreover, if you look it smartly, that it gives extra 1%offline then this amount doubles up to 59000rs offline spends,(as almost all good entry level cards gone 1% cashback by default)
Regarding its online 5%thing, there are better cards at less or even ltf with same benefits for example apay ICICI, sbi cb, axis fc plus to name a few

 

[cardy]

Earlier some ppl hv applied ace LTF via offline mode ( there may be online ltf ones also but I'm not aware of anybody getting).
For airtel card agreed. But for ace, unless your offline spends are high you can't justify paying 590rs now.. For recovering 590rs fees itself , you've to spend 29500rs offline(considering 2%).
moreover, if you look it smartly, that it gives extra 1%offline then this amount doubles up to 59000rs offline spends,(as almost all good entry level cards gone 1% cashback by default)
Regarding its online 5%thing, there are better cards at less or even ltf with same benefits for example apay ICICI, sbi cb, axis fc plus to name a few

But for utility and recharges payment only 12000 spend gives good cashback of 600. Which recovers the fee alone. Besides Cashback on Offline spend is best in the industry

 

[sahildca]

But for utility and recharges payment only 12000 spend gives good cashback of 600. Which recovers the fee alone. Besides Cashback on Offline spend is best in the industry

only Bill Payments on Google Pay
(Electricity, Internet, Gas, DTH, and Mobile Recharges)5% gives Maximum cashback of ₹500 per statement cycle.

yes best for offline unlimited 2% Cashback

 

[FinoGuy]

But for utility and recharges payment only 12000 spend gives good cashback of 600. Which recovers the fee alone. Besides Cashback on Offline spend is best in the industry

Axis fc +card also gives 5% on all utility bills in app. It has very low amc & waiver also only 50k.
Apay ICICI gives 5% if you purchase gift card then pay utility in amazon. Its a LTF card. Gives 1% on other /offline spends

 

[sahildca]

Axis fc +card also gives 5% on all utility bills in app. It has very low amc & waiver also only 50k.
Apay ICICI gives 5% if you purchase gift card then pay utility in amazon. Its a LTF card. Gives 1% on other /offline spends

flipkart axis has annual fee waiver on spent on 3.5 lakh in anniversary year

Rent transactions ( MCC 6513 ) and wallet load transactions ( MCC 6540 ) will not be eligible for spends counted in availing annual fee waiver.