Axis Bank

VISA

ACE

Axis Bank ACE

A low-fee cashback card offering 5% back on bill payments and recharges via Google Pay and 4% on Swiggy, Zomato and Ola.

cashbackdiningfees-freefirst-timers

Last reviewed 13 July 2026

Fees

Joining fee

₹499

Annual fee

₹499

Waiver: Annual fee waived on annual spend of ₹2,00,000 or more; joining fee reversed on spend of ₹10,000 within the first 45 days

Eligibility

Age: 18–70 yrs

Employment: salaried, self employed

Rewards

dining4% cashback(cap ₹500 cashback/1mo)

all other1.5% cashback

Welcome benefits

• Joining fee of ₹499 reversed on spend of ₹10,000 within the first 45 days of card issuance

Perks

✓Domestic lounge access: 4/yr4 complimentary domestic lounge visits per year, requires min. ₹50,000 spend in the preceding 3 months (waived for the first 3 months after issuance)
✓Fuel surcharge waiver: 1%Capped at ₹500/month
✓Forex markup: 3.5%
✓5% cashback on bill payments and mobile/DTH recharges made specifically via Google Pay (capped ₹500/month). This is not a general cashback rate; other spend falls back to 1.5%
✓15% discount at 4,000+ partner restaurants via Axis Bank dining program
✓EMI conversion available on transactions of ₹2,500 or more

Common questions

What is the annual fee on the Axis Bank ACE?: The joining fee is ₹499. The annual fee is ₹499. Annual fee waived on annual spend of ₹2,00,000 or more; joining fee reversed on spend of ₹10,000 within the first 45 days
What are the reward rates on the Axis Bank ACE?: Axis Bank ACE earns 4% cashback on dining, 1.5% cashback on all other spends.
Does the Axis Bank ACE offer airport lounge access?: Yes: 4 domestic lounge visits per year (4 complimentary domestic lounge visits per year, requires min. ₹50,000 spend in the preceding 3 months (waived for the first 3 months after issuance)).
Who is eligible for the Axis Bank ACE?: Applicants typically need a minimum age of 18, and must be salaried or self employed. Exact criteria are set by Axis Bank and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

DiningBest rate

₹

4% cashback· cap ₹500 cashback/1mo

Everything else

₹

1.5% cashback

Estimated annual value—

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Annual fee

₹4,500

Up to

2x points

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Annual fee

₹10,000

Up to

2x points

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Annual fee

₹495

Up to

20x points

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Perks

✓Domestic lounge access: 4/yr4 complimentary domestic lounge visits per year, requires min. ₹50,000 spend in the preceding 3 months (waived for the first 3 months after issuance)

✓Fuel surcharge waiver: 1%Capped at ₹500/month

✓Forex markup: 3.5%

✓5% cashback on bill payments and mobile/DTH recharges made specifically via Google Pay (capped ₹500/month). This is not a general cashback rate; other spend falls back to 1.5%

✓15% discount at 4,000+ partner restaurants via Axis Bank dining program

✓EMI conversion available on transactions of ₹2,500 or more

Common questions

What is the annual fee on the Axis Bank ACE?

The joining fee is ₹499. The annual fee is ₹499. Annual fee waived on annual spend of ₹2,00,000 or more; joining fee reversed on spend of ₹10,000 within the first 45 days

What are the reward rates on the Axis Bank ACE?

Axis Bank ACE earns 4% cashback on dining, 1.5% cashback on all other spends.

Does the Axis Bank ACE offer airport lounge access?

Yes: 4 domestic lounge visits per year (4 complimentary domestic lounge visits per year, requires min. ₹50,000 spend in the preceding 3 months (waived for the first 3 months after issuance)).

Who is eligible for the Axis Bank ACE?

Applicants typically need a minimum age of 18, and must be salaried or self employed. Exact criteria are set by Axis Bank and can vary by application.

Axis Bank ACE

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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