Axis Ace post devaluation (convenience fee on bill payments) is more or less useless except itās unlimited 1.5% cashback which probably might be the only reason for someone to hold it even now if they donāt have more rewarding cards in their portfolio. Even if used to fullest extent (10,000/- Utility every month) post annual fees comes to paltry 3.5%. Apay route despite its tediousness has been more resilient since all these years as compared to any Cashback card launched. I agree the more the options one has access to the better but from Utility perspective Ace is more or less dead. It all boils down to oneās comfort zone, spends level and existing portfolio.