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Axis Ace
Axis • Visa

Axis Ace

5% cashback on utility bill payments via Google Pay, 4% on select partners, and 1.5% on other eligible spends.

Annual Fee₹499Waived on ₹2L spend
Base Reward1.5%On all spends
Lounge Access1111 domestic • 0 intl
Est. Annual Savings₹9,846Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹5,400

Assumes base reward rate only.

Annual feeWaived

Waived on ₹2L spend

Net value₹5,400

Estimated savings per year.

Fee waiver target: ₹2,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Lifestyle
5.0%
Basedefault
1.5%
Online
1.5%
Offline
1.5%
Dining
1.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • Axis Ace is now best treated as a platform-led utility card, not a blanket dining card.
  • 5% bucket is tied to Google Pay utility flow; behavior matters more than raw spend volume.
  • 4% partners are specific-brand accelerators, making it a strong secondary wallet card.

Best Utilization

  • 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.

Watchouts

  • 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.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹499
  • Annual fee₹499
  • Waiver threshold₹2,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-13

Redemption Truth

  • Cash value/point₹1
  • Travel value/point₹1
  • Transfer partners0
  • Min redemption₹0
  • Expiry policyNot applicable; cashback is credited to statement and does not accrue as transferable points.
  • Last verified2026-02-13

Lounge Truth

  • NetworkVisa
  • Domestic count4
  • International count0
  • Quarterly limit1
  • Airport-terminal rows11
  • Policy check2026-02-13

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports22
  • Approval reports13

Upgrade Path

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

Step 1

Airtel Axis Bank

Annual fee: ₹500

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

Airtel Axis Bank Credit Card

Annual fee: ₹500

Shared focus: Lifestyle, DiningHigher top earn rate (25.0%)Estimated +₹25,446/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for Axis Ace using your current quarter spend.

₹0 spent₹50,000 target

Policy signal used: - Source file: Axis Bank domestic lounge program PDF (Set A). - Domestic lounge access is linked to card-wise quarterly/yearly limits. - Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file.

Spend threshold

Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file.

Quarter / cycle rule

Domestic lounge access is linked to card-wise quarterly/yearly limits.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

11 airport lounge rows
View lounge map and location list11 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Bengaluru

2 lounges • 2 domestic • 0 international

2
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic Departure T2

BLR Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic Departure T1

Chennai

2 lounges • 2 domestic • 0 international

2
Travel Club LoungeDomestic

CHE • Chennai Airport • Domestic Departure T4

Travel Club Lounge A/BDomestic

CHE • Chennai Airport • Domestic Departure T1

Hyderabad

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic Departure T1

Kolkata

1 lounges • 1 domestic • 0 international

1
Travel Club LoungeDomestic

KOL • Kolkata Airport • Domestic Departure T1

Mumbai

2 lounges • 2 domestic • 0 international

2
Adani Lounge*Domestic

MUM • Mumbai Airport • Domestic Departure T2

Travel Club LoungeDomestic

MUM • Mumbai Airport • Domestic Departure T1c

New Delhi

3 lounges • 3 domestic • 0 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T2

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T3

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • 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

Things to Consider

  • 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

About Axis Ace

Axis Ace is a cashback card from Axis, best for utility bills & food. It is tagged under lifestyle, dining categories in our database.

LifestyleDining

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Frequently asked questions

Is Axis Ace lifetime free?

It has an annual fee of ₹499. Waived on ₹2L spend

What rewards does Axis Ace offer?

5% cashback on utility bill payments via Google Pay, 4% on select partners, and 1.5% on other eligible spends.

Does Axis Ace include lounge access?

Axis Ace lists 11 lounge visits (11 domestic, 0 international).

Who should consider Axis Ace?

Utility Bills & Food

Where can I apply for Axis Ace?

Check the issuer website for application availability.