Axis Bank Ace Credit Card

Overview

Updated On: August 24, 2026 | AB Published by: Amit B | 2 min read

Axis Bank's Ace Credit Card is one of the most popular cashback credit cards in India, known for attractive cashback rates on utility bill payments and offline transactions. While there are many credit cards which provide better cashback rates on online spend as compared to the Axis Bank's Ace Credit Card, there are hardly any other real cashback based credit card which can match the cashback rate of Axis Ace Credit Card for offline spend. Therefore, despite recent devaluations, it remains a solid choice for cashback on utility bill payments and offline spend. Furthermore, the cashback is directly credited into the credit card statement without any manual efforts. This makes this credit card very simple to understand and manage.

Pros

Best credit card for offline payment with 1.50% on all other spend including offline spend. While there are many cards which give more than 1.50% cashback on online spend, but there is no credit card which gives more than 1.50% cashback on offline spend. Therefore, this is the best credit card for offline spend.
Best credit card for utility bills as it gives 5% cashback on electricity, water, gas (piped gas bill and LPG Cyllinder), broadband, DTH and mobile recharges through Google Pay
No limit on base cashback rate of 1.50% across online and offline spend

Cons

Low limit for cashback on utility bill payment. Maximum Rs.500 cashback on all utility bills, Swiggy, Tomato and OLA.
No cashback on insurance, fuel,EMI, Wallet Load, Jewellery, Rent, Government, Insurance, Education related payments, Cash Advances, Card fees and charges. Nowadays, these categories are excluded for cashback and rewards with most of the credit card.
Spend condition for Lounge Access. You need to spend Rs.50,000 in last 3 months to be eligible for 1 lounge access in a quarter. Although, this is an entry level credit card and mainly for utility bill payment. This should not be a major drawback.
Lounge network limited to metro city airports.

Fees & Charges

Joining / Annual Fee ₹ 589

Renewal Fee ₹ 589

Annual Spend Target for Fee Waiver ₹ 200,000

Minimum Annual Income Required ₹ 360,000

Rewards and Benefits

Reward Rate

5% cashback on Utility Bills, 4% cashback on Swiggy, Zomato and Ola, 1.5% Cashback on Other Spend

Base Reward Rate

1.5%

Accelerated Reward Rate

5%

Welcome Benefits

No Welcome Benefit

Renewal Benefits

No renewal benefit

Rewards & Cashback Details

Accelerated Cashback: Upto Rs.500 Cashback per Monthly Statement Cycle on following
- 5% Cashback on bill payments (electricity, water, gas, LPG and broadband), DTH and mobile recharges through Google Pay App
- 4% Cashback on Swiggy, Zomato and Ola
Other Spend: 1.5% Unlimited Cashback on Other Spend
Payment to Restaurants using EasyDiner App: 15% Instant Discount upto Rs.500 on payment to restaurants through Eazydiner App for order above Rs.2,500 once in a month
Instant Discount Offers: Card is eligible for instant discount offers of Axis Bank on various brands during online and offline sale.

Rewards Redemption

This credit card gives real cashback which is automatically credited in credit card statement. No manual efforts required.

Additional Benefits

Domestic Airport Lounge

Dining Benefits

International Airport Lounge

Railway Lounge Access

Movie Benefits

Golf Benefits

Lifestyle Benefits Details

Domestic Airport Lounge Access: 4 Domestic Lounge Access in a year (1 Domestic Lounge Access per Quarter a minimum eligible spend of Rs.50,000 in the previous 3 calendar months.)

Features & Benefits

Cashback

Airmiles

Airport Lounge

Utility Bills

Gift Cards

Reward Points

Insurance

NPS

Education

Government Payment

Fuel

Rent

Jewellery

Wallet Load

Rewards on EMI

No Cashback / Rewards Categories

No cashback on following spend categories

Utility spends done on any platform other than Google Pay
Fuel spends
EMI transactions and purchases converted to EMI post facto
Wallet loading transactions
Rental payment
Purchase of gold/jewelry items
Insurance premium payments
Educational services
Payment of outstanding balances
Payment of card fees and other card charges
Cash advances

Ratings & Reviews

3.8

Overall Rating

Reward Rate

4/5

Lifestyle Benefits

3/5

Ease of Reward Redemption

5/5

Value For Money

4/5

Customer Service

3/5

Detailed Review

Axis Bank's Ace Credit Card is a solid option for cashback on utility bill payments, online, and offline spending. The best feature is the real cashback credited directly to your credit card statement, eliminating any manual effort. It also offers cashback on mobile recharges, bills, broadband, and DTH recharges across all brands. With 1.5% cashback on both online and offline transactions, it stands out, especially since no other card offers more than 1.5% real cashback on offline spending.If you're seeking a simple to manage credit card for utility bills and offline spend, this one is an excellent choice.

Eligibility & Important Info

Eligibility Criteria

Age: Minimum 18 years, Maximum 70 years
Income: Rs.30,000 net-in-hand salary per month for salaried customer. For others, ITR of Rs.4 Lacs in a year (This is basis the card approval experience, official income criteria has not been shared by the bank)