This Axis Bank Ace Credit Card Review gives you everything you need to know about one of India’s most rewarding cashback cards.
🟩 Why Axis Bank Ace Credit Card Review Matters in 2025
The Axis Bank Ace Credit Card stands out for its simplicity — real cashback (not points), unlimited earning potential, and instant rewards.
Whether you’re paying bills through Google Pay or shopping online, this card ensures you save on almost every transaction.
💰 Axis Bank Ace Credit Card Cashback Structure
| Transaction Type | Cashback Rate | Details |
|---|---|---|
| Bill payments via Google Pay | 5% cashback | Electricity, mobile, DTH, broadband, and gas bills |
| Other online spends | 2% cashback | Shopping, food delivery, travel bookings |
| Offline spends | 1% cashback | Retail store or POS transactions |
| Fuel transactions | ❌ No cashback | Not eligible |
| Cashback limit | ✅ Unlimited | Direct statement credit |
💡 Pro Tip: Always use Google Pay for bill payments to maximize your 5% cashback.
🧾 Axis Bank Ace Credit Card Fees and Charges
| Type | Amount |
|---|---|
| Joining Fee | ₹499 + GST |
| Annual Fee | ₹499 + GST (waived on ₹2 lakh annual spend) |
| Finance Charges | 3.6% per month (43.2% p.a.) |
| Cash Advance Fee | 2.5% (min ₹500) |
| Foreign Transaction Fee | 3.5% |
| Late Payment Fee | ₹100 – ₹1,200 (based on due amount) |
✅ Annual fee is waived if you spend ₹2 lakh or more in a year.
🎁 Key Benefits of Axis Bank Ace Credit Card
- 💳 5% Cashback on Google Pay bill payments
- 💻 2% Cashback on other online purchases
- 🏬 1% Cashback on offline spends
- 💰 Unlimited Cashback – No capping or expiry
- 📱 Easy Management via Google Pay app
- ✈️ Accepted internationally (Visa Signature)
- 🪙 Cashback auto-adjusted in monthly statement
⚖️ Axis Bank Ace Credit Card Review – Pros & Cons
| Pros | Cons |
|---|---|
| ✅ 5% cashback on Google Pay | ❌ No cashback on fuel transactions |
| ✅ Simple and transparent cashback | ❌ No free airport lounge access |
| ✅ Unlimited cashback earnings | ❌ Limited premium perks |
| ✅ Annual fee waiver at ₹2L spend | ❌ Forex markup at 3.5% |
| ✅ Cashback auto-credit monthly | ❌ Requires consistent online use |
🧠 Eligibility Criteria
| Parameter | Requirement |
|---|---|
| Age | 18–60 years |
| Income (Salaried) | ₹15,000/month minimum |
| Income (Self-employed) | ₹30,000/month minimum |
| Credit Score | 700+ preferred |
| Residency | Indian citizen |
Documents Needed:
PAN, Aadhaar, address proof, and latest salary slip or ITR copy.
🪙 Cashback Example Calculation
If you spend ₹20,000 monthly:
- ₹10,000 via Google Pay → ₹500 cashback
- ₹7,000 on other online spends → ₹140 cashback
- ₹3,000 offline → ₹30 cashback
💰 Total = ₹670/month → ₹8,040 cashback/year
That’s 16x return on your ₹499 annual fee!
🚀 How to Apply for Axis Bank Ace Credit Card
1️⃣ Visit the Axis Bank Ace Credit Card page.
2️⃣ Click “Apply Now” and complete e-KYC with PAN & Aadhaar.
3️⃣ Link card with your Google Pay account.
4️⃣ Get instant approval (subject to eligibility).
🟩 You can also apply directly through the Google Pay App in the “Credit Cards” section.
🧾 Axis Bank Ace Credit Card Review – Final Verdict
After testing and analyzing, this Axis Bank Ace Credit Card Review proves why it’s the best cashback card for digital India.
Its unlimited cashback, Google Pay integration, and simple fee waiver make it perfect for online shoppers and bill payers.
💳 Verdict: ⭐ 4.8 / 5
One of the best cashback credit cards in India — simple, smart, and rewarding.
💬 FAQs – Axis Bank Ace Credit Card Review
Q1. Is Axis Bank Ace Credit Card lifetime free?
No, but the ₹499 annual fee is waived on ₹2 lakh annual spend.
Q2. How do I get cashback?
Cashback is auto-adjusted in your next billing statement.
Q3. Does Axis Ace work for Google Pay UPI payments?
Yes, for bill payments and recharges within Google Pay.
Q4. Is this card better than HDFC Millennia?
Yes for bill payments (5% cashback), but HDFC Millennia is better for lounge access.
Q5. Can I apply if I’m new to credit cards?
Yes, Axis Ace is suitable for first-time credit card users with stable income.
💰 Earn up to 5% cashback on every bill payment and online spend!
Apply now for the Axis Bank Ace Credit Card and enjoy unlimited savings.
💳 Compare India’s best cashback credit cards just like Axis Bank Ace Credit Card review and find your ideal one — only on FindCredit.cards