Axis Bank ACE Credit Card

Axis Bank · Closed to new applicants

Axis and Google Pay's cashback card: 5% on electricity, water, gas, LPG, broadband, DTH and mobile bills paid through Google Pay on Android, 4% on Swiggy, Zomato and Ola, and 1.5% on everything else. The 5% and 4% lines share a ₹500 cashback cap per statement. Reportedly closed to new applicants.

Annual fee
₹499 + GST a year
Joining fee
₹499 + GST
Fee waiver
Annual fee waived on ₹2,00,000 spend per card year
Base rate
1.5% on all other eligible spends: 1.5% cashback (about 1.5% at cash value)
Lounges
Domestic: 4 visits a calendar year after ₹50,000 spend
Forex markup
3.5%
Data
From bank documents, checked 23 Oct 2026

Main earn rates

  • 5% on bill payments and recharges made with the card on Google Pay (Android): 5% cashback (about 5% at cash value)
  • 4% on Swiggy, Zomato and Ola (websites and apps): 4% cashback (about 4% at cash value)

Earns nothing on

  • No cashback on fuel, EMI, wallet loads, cash advances, rent, jewellery, insurance, education, government, gift cards, and utility and telecom bills paid outside Google Pay
  • No cashback on bridge, road and toll fees

Terms the calculator does not value

  • The 5% on bills and recharges needs Google Pay on Android and is worked out on merchant IDs. The calculator gives it only with the Google Pay route switched on and values utility and telecom bills at nothing otherwise; it does not check the Android requirement or the merchant IDs.
  • The Swiggy, Zomato and Ola list can change without notice and cashback is computed on merchant IDs; the cabs line in the calculator has no Ola merchant, so only Swiggy and Zomato spends reach the 4% rate.
  • Eligibility (age, income, city) was not found, and the Axis dining offer terms were not fetched.
  • Cashback is rounded to the nearest rupee on each transaction and the 4% line is worked out on merchant IDs; neither is modelled.

Sources

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