Axis Bank Ace Credit Card
Axis Bank · Cashback · Statement Credit
This comprehensive guide covers the Axis Bank Ace Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Axis Bank Ace Credit Card from Axis Bank offers cashback rewards credited directly to your statement at 2% (up to ₹500 per cycle). Top earning categories include 2% cashback on utility bill payments and more. Annual fee is ₹499 (waived above inr 50,000 annual spend).
Best for: Swiggy, Zomato, Ola, Uber · Utility, General Online, Online Retail, Electronics Accessories
Top Merchants
Reward Examples
Spend ₹1,000 on Utility → earn ₹20 (2%) · 2% cashback on utility bill payments
Spend ₹1,000 on Swiggy → earn ₹20 (2%) · 2% cashback on Swiggy, Zomato, Ola, Uber
Spend ₹1,000 on General online → earn ₹10 (1%) · 1% cashback on all other spends
Official product page → Official rules →
Waiver: Waived above INR 50,000 annual spend
Reward Rules
- 2% 2% cashback on utility bill payments (cap: ₹500)
- 2% 2% cashback on Swiggy, Zomato, Ola, Uber (cap: ₹500)
- 1% 1% cashback on all other spends
Important Notes
- Cashback capped at INR 500 per statement cycle per category
- Annual fee: INR 499
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Axis Bank Ace Credit Card vs Similar Cards
- Airtel Axis — 25% top rate · ₹500
- Amazon Pay ICICI — 5% top rate · ₹0
- AU Bank LIT Credit Card — 5% top rate · ₹499
Maximize Your Rewards
To earn the highest rewards, use the Axis Bank Ace Credit Card for its bonus categories: Utility, General Online, Online Retail, Electronics Accessories, Travel.