4 complimentary domestic airport lounge visits per year on meeting the eligibility spend.
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Axis Bank ACE Credit Card
ACE is the one to grab if your monthly bills are big, since 5% back on utilities, recharges, and DTH through Google Pay is the headline, backed by an uncapped 2% on everything else. Worked example: Rs.10,000 of monthly bills via Google Pay nets Rs.500, though that 5% bucket is capped per cycle, so confirm the current limit before assuming it scales. The 4% on Swiggy, Zomato, and Ola is a nice bonus. Skip it if you can't or won't route bills through Google Pay, since that's where the standout rate lives. The 3.5% forex markup (as of 2026) rules it out abroad. Check caps on axisbank.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Get 5% cashback on utility bills, mobile recharge and DTH paid through Google Pay
- ✓Get 4% cashback on Swiggy, Zomato and Ola
- ✓Get unlimited 2% cashback on every other purchase
- ✓Cashback is credited automatically to your statement
- ✓Four free domestic lounge visits each year
👍 Pros
- + Cashback on utility bill payments is among the best around
- + The unlimited 2% flat rate carries no category limits
- + Lounge access is included at a low fee
- + Cashback arrives automatically with no fuss
👎 Cons
- – The 5% category has a cap per statement cycle
- – Forex markup is high for international purchases
- – Bill cashback only applies through Google Pay
Can you get it?
- ▸Indian resident between the ages of 18 and 70
- ▸A CIBIL score of 720 or higher is recommended
- ▸Salaried or self-employed with a steady income
- ▸Valid PAN along with KYC documents
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Decided on the Axis Bank ACE Credit Card?
Finish your application on Axis Bank's own secure site.
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