Axis Bank · Entry cashback card
Axis Bank ACE Credit Card
One of India's most popular entry-level cashback cards. You get 5% on utility bills and recharges via Google Pay, 4% on Swiggy, Zomato and Ola, and an uncapped 1.5% on everything else — auto-credited to your statement, no redemption needed. It also adds lounge access, rare at this fee.
Fees & welcome
Joining fee
₹499 (reversed on ₹10,000 spend within 45 days).
Last reviewed 2026-06-14 — confirm on official page
Annual / renewal fee
₹499.
Last reviewed 2026-06-14 — confirm on official page
Fee waiver
Annual fee waived on spends of ₹2 lakh in the preceding year.
Last reviewed 2026-06-14 — confirm on official page
Earn rates
Utility bills + DTH/mobile recharges via Google Pay (Android only)
5% cashback
Swiggy, Zomato, Ola
4% cashback
All other eligible spends
1.5% unlimited cashback
Cap
The 5% and 4% categories share a combined cap of ₹500 per statement cycle; the 1.5% base is uncapped
Last reviewed 2026-06-14 — confirm on official page
Plain math
₹10,000/month of Google Pay bill payments at 5% hits the ₹500 monthly cap — about ₹6,000 a year — and the uncapped 1.5% base covers the rest. Cashback is credited straight to your statement, so there's nothing to redeem.
Lounge & forex
Lounge access
4 complimentary domestic airport lounge visits a year, unlocked by ₹50,000 spend in the previous 3 months (the spend requirement is waived for the first 4 months on new cards).
Last reviewed 2026-06-14 — confirm on official page
Forex markup
3.5%.
Last reviewed 2026-06-14 — confirm on official page
Who it's for
Best for
- Android users who pay utility bills and recharges via Google Pay.
- Swiggy / Zomato / Ola regulars.
- Anyone wanting simple, auto-credited cashback with lounge access at a low fee.
Not ideal for
- IPhone users — the headline 5% Google Pay bill category is Android-only, so you'd lose the main benefit.
- Heavy foreign spenders also face a 3.5% forex markup.
Official sources
Last reviewed 2026-06-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.