Axis Bank
Axis Bank ACE Credit Card
Data Verified
Last checked: 25 Feb 2026Best for utility bill payers and daily expense optimizers who use Google Pay for transactions.
A versatile rewards card powered by Google Pay, offering 5% cashback on utility bill payments, 4% on Swiggy/Zomato/Ola, 2% on all other online spends, and 1.5% on offline transactions.
BillsDiningOnlineRewards
Annual Fee
₹499
Annual fee of ₹499 (no waiver)
Cashback
5%
Headline Rate
Forex Markup
3.5%
Standard Rate
Expert Verdict
"The Axis ACE is a utility powerhouse. 5% back on electricity, gas, broadband, and insurance payments via Google Pay is unmatched. The tiered structure covering dining (4%), online (2%), and offline (1.5%) means every rupee earns. At ₹499, it's essentially a daily-use workhorse. Verdict: Best card for utility bills and everyday spends."
Key Privileges
Welcome BenefitUp to ₹250 cashback on first 3 transactions
Fee WaiverAnnual fee of ₹499 (no waiver)
Interest Rate (APR)42%
Min. Income₹2.5 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. FinanceMacha may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score700
- Min. Income₹2.5 lakh per annum
- EmploymentSalaried/Self