Axis Bank ACE Credit Card
AXIS · VISA★ 4.5/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
5% on Utility Bills
5% cashback on utility bill payments via GPay
5% on OTT & Entertainment
5% cashback on OTT subscriptions
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
5.0%
utility bills cashback
2.0%
Base rate (all other spends)
- 5.0% cashback on utility bills
- 2.0% on all other spends — no restrictions
🍽️ FOOD & DINING BENEFITS
Dining rewards, food delivery cashback and partner benefits.
4.0%
Dining cashback rate
- 4.0% return on restaurant and dining spends
Arjun pays his Airtel bill (₹1,000/month), electricity via Google Pay (₹1,500), and orders Swiggy four nights a week (₹3,200). All three categories earn 5% cashback on Axis ACE — that's ₹284 back every month, ₹3,408/year, for a card that costs nothing. Swipe it for Ola or Zomato too: 4% cashback, no cap, no minimum redemption.
Who is this for?
Carry this card if you use Google Pay to pay any utility bill (electricity, gas, Airtel, Jio) AND order food delivery more than twice a week. The 5% on utility bills is the highest in India at zero fee — pair it with any other premium card and let ACE handle all bill payments and food apps.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Utility Bills | cashback | 5% | — |
| OTT & Entertainment | cashback | 5% | — |
| Dining | cashback | 4% | — |
| Online Shopping | cashback | 4% | — |
| Other | cashback | 2% | — |
Utility Bills: 5% cashback on utility bill payments via GPay · Google Pay
OTT & Entertainment: 5% cashback on OTT subscriptions
Dining: 4% cashback on dining
Online Shopping: 4% cashback on online shopping
Other: 2% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Should you get it?
- Best for: Google Pay utility bill payer, Swiggy/Zomato daily orderer, Airtel or Jio postpaid subscriber, ₹30K–70K salary, Bengaluru/Mumbai/Delhi resident
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Utility Bills (5% back).
Pros
- If you pay ₹1,500/month in electricity and Airtel bills via Google Pay, you earn ₹900/year — just from utilities
- Swiggy and Zomato both earn 4% with no cap: ₹3,200/month food delivery = ₹1,536/year back
- Lifetime free — you will never calculate break-even or worry about a fee you forgot to waive
- Cashback credited to statement monthly — no portal, no minimum, no expiry
Cons
- No lounge access — bring a separate card for airport visits
- Utility 5% only works via Google Pay Bill Pay, not direct bank transfer or BBPS on other apps
- 2% on all other spends is modest — pair with a higher flat-rate card for non-food/non-utility spend
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The concern
Axis has trimmed ACE benefits before (the grocery exclusion, cap changes) — the card's history says today's rates are not guaranteed tomorrow.
Bottomline
CardAdvisor Rating: 4.5 / 5ACE remains our default recommendation for a first serious cashback card. Bills, Swiggy, Zomato, Ola — the categories every urban Indian actually spends on — all earn 4-5% on a lifetime-free card. There is no cheaper way to earn this much.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the Axis Bank ACE Credit Card are taken from AXIS's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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