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Axis Ace
Annual fee₹499
RewardsCashback
Earns hardest on
Lifestyle 5.0%
Axis • VisaEveryday cashback

Axis Ace

Updated 13 Feb 2026VerifiedHigh confidence2 sources checked
Freshness warning: last verified 138 days ago (13 Feb 2026). Treat fees, rewards, lounge access, and offers as stale until refreshed.
Modeled value for your spend≈ ₹7,384/yr
₹30,000/mo
Pays for itself above ₹4,000/moFull breakdown
Get it if

Route utility and recharge payments through Google Pay to maximize the 5% lane

Skip it if

Do not model 4% as universal dining cashback; it is partner scoped

Latest change: Aligned key fee/cashback/lounges with issuer card page and fee table

For Utility Bills & Food. 5% on lifestyle spend. ₹499 fee, waiver at ₹2,00,000. Lounge rule: ₹50,000 in previous 3 months.

Quick Overview

What matters before you apply.

You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.

Why get it

Why you should get it

Utility Bills & Food

  • 5% cashback on utility bill payments via Google Pay (utility, broadband, DTH, recharges)
  • 4% cashback on preferred partners such as Swiggy, Zomato and Ola
  • 1.5% cashback on other eligible spends
  • Domestic lounge access proposition under Axis card policy
Why skip it

Why you may regret it

These are the rules and drawbacks most likely to make the card feel disappointing after signup.

  • Accelerated 5%/4% earn is platform and merchant scoped, not broad category-wide
  • Utility route via Google Pay is key to unlocking the highest earn bucket
  • MCC and issuer exclusion list can reduce effective payout on edge categories
Annual Fee₹499Joining fee ₹499
Spend to Waive Fee₹2,00,000Waived on ₹2L spend
Best Category Return5%Lifestyle spend
Lounge Access Condition₹50,000 in previous 3 months11 lounge rows mapped

Quick notes

How to use the card well, and what to watch before applying.

How to use it well

  • Route utility and recharge payments through Google Pay to maximize the 5% lane.
  • Use Ace specifically for Swiggy/Zomato/Ola transactions and stop after partner budget is covered.
  • Use a separate card for non-partner dining, rent, insurance and low-yield offline categories.

Watch before applying

  • Do not model 4% as universal dining cashback; it is partner scoped.
  • Check current value chart before high-spend months since partner lists can change.
  • If Google Pay route is not used, effective card value drops materially.
Compare or Switch

What to do if this card is close, but not perfect.

Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.

Compare this cardBrowse similar cards

Same-bank step-up path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Airtel Axis Bank Credit Card

Annual fee: ₹500

Shared focus: Lifestyle, Dining+7 more lounge visits in current datasetHigher top earn rate (25.0%)
View Details
Step 2

Airtel Axis Bank

Annual fee: ₹500

Shared focus: Lifestyle, DiningHigher top earn rate (25.0%)Estimated +₹2,754/yr value
View Details

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