Axis ACE Credit Card

Axis ACE credit card is best suited for those who are looking for cashback. Apart from unlimited cashback on all spends, the Axis Bank ACE credit card offers complimentary lounge access, fuel surcharge waiver, and other benefits at a nominal annual fee of Rs. 499


Axis Bank ACE Credit Card Detail

The key details of the ACE Axis Bank credit card are given in the table below:

Best forCashback
Joining feeRs. 499
Annual feeRs. 499
Complimentary airport lounge access4 access per year
Purchase to EMI conversion facilityAvailable on spends of Rs. 2,500 or above
Required age 18 to 70 years

Axis bank credit card

Features of Axis Bank ACE Credit Card

Following are the key Axis ACE credit card benefits and features:

  • 5% cashback on Utility bill payments (electricity, internet, gas and more), DTH and mobile recharges on Google Pay*
  • 4% cashback on Swiggy, Zomato and Ola*
  • 2% cashback on all other spends*
  • 1% fuel surcharge waiver
  • 4 complimentary lounge access per year
  • Joining Fees : Rs. 499 /- only (Joining Fee reversed on spends of Rs. 10000 in frst 45 days of card issuance)
  • Annual Fees: Rs 499 /- only (Annual Fee waived off on annual spends greater than Rs. 200000)

How to Apply for an Axis Bank ACE Credit Card?

You can apply for an Axis Bank ACE credit card through MyMoneyMantra.

  • You can apply now by clicking the "Apply Now" button.
  • You will be redirected to the Axis Bank website.
  • Choose "Yes" or "No" for existing or new Axis Bank customers.
  • Submit the form with the required information.

Fees & Charges of Axis Bank ACE Credit Card

  • Joining fee: Rs. 499. Reversed on spending Rs. 10,000 within 45 days of card issuance.
  • Annual fee: Rs. 499 from 2nd year onwards. Waived off on annual spends of more than Rs. 2 Lakhs.
  • Cash payment fee: Rs. 100.
  • Finance charges (for retail purchases & cash): 3.6% per month (52.86% per annum).
  • Cash withdrawal fees: 2.5% (minimum Rs. 500) of the cash amount.
  • Overdue penalty or Late payment fees: Up to Rs. 1,200, depending on the total payment due.
  • Over limit penalty: 2.5% (minimum Rs. 500) of the over Axis Bank ACE credit card limit amount.
  • Cheque return/dishonour fee/ auto-debit reversal: 2% of the payment amount (minimum Rs. 450 & maximum Rs. 1,519).
  • Foreign currency transaction charges: 3.5% of the transaction value.
  • Surcharge on purchase/ cancellation of railway tickets: As prescribed by IRCTC/Indian Railways.
  • Card replacement fee: Nil.
  • Mobile alerts for transactions: Free.
  • Duplicate statement fee/ Charge slip retrieval fee or copy request fee/ Outstation cheque fee/ Balance enquiry charges: Waived.
  • Reward Redemption fee: Nil.

*Taxes as per Government norms will be applicable for all above fees and charges.

Axis Bank Ace Credit Card Eligibility

Following is the detailed Axis Bank ACE credit card eligibility:

  • Applicant can be a salaried person or a self-employed individual.
  • The age of the primary cardholder should be between 18 and 70 years.
  • The individual should be an Indian resident.

The Axis ACE credit card eligibility criteria mentioned above are only indicative, and the Axis Bank reserves the ultimate right to approve or reject applications for ACE Credit Card.

Axis ACE Credit Card Document Required

Unless there are case variations, the documents required to apply for an Axis Bank ACE Credit Card include a copy of the applicant’s PAN Card or Form 60, proof of residence and identity, a recent colour photograph and income proof (including latest payslip/ Form 16/ Income Tax Return copy).

Keep the following documents ready for ACE card Axis Bank application:

  • Photocopy of PAN card 
  • Recent colour photograph of the applicant
  • Proof of income, such as latest payslip, bank statement, Form 16, and Income Tax Return copy 
  • Proof of residence (any one of the following):
  • Proof of identity (any one of the following):
    • Passport
    • Driving license
    • Voter ID Card
    • Aadhaar card
    • PAN card

*The list of documents given above is only indicative and documents required may vary on a case-to-case basis.

Axis ACE Credit Card FAQs

Who should apply for an Axis Bank ACE credit card?


If you are looking for a credit card that offers unlimited cashback on all transactions, then you should apply for an Axis Bank Ace credit card. It is one of the best cashback credit cards available in India. You can google ACE credit card to read axis ace credit card reviews.

Who can apply for Axis Bank ACE Credit Card?


Any Indian resident salaried or self-employed individual aged between 18 and 70 years can apply for Axis Bank ACE Credit Card.

What are the benefits of an Axis ACE credit card?


Axis ACE credit card offers some amazing benefits as mentioned below:

  • 5% cashback on electricity, internet, gas, DTH, mobile recharges and other bill payments on Google Pay.
  • 4% cashback on Ola, Swiggy and Zomato.
  • 2% cashback on all other spends. 
  • There is no maximum limit on cashback earned.
  • 4 complimentary access per year at partner airport lounges in India.
  • 1% waiver of fuel surcharge on fuel purchase across all fuel stations in India.
  • Up to 20% discount on dining at over 4000 partner restaurants in India.
  • Facility to convert transactions above Rs. 2,500 into affordable EMIs.