Credit Cards · Honest Review
Axis Bank ACE Credit Card
Axis Bank · Visa
Your Verdict
- ✓2% flat cashback on all spends via Google Pay / PhonePe
- ✓4% cashback on Swiggy, Zomato, and Ola
- ✓5% cashback on utility bill payments via Google Pay
- ✓1% fuel surcharge waiver
- ✓Fee waived on ?2L annual spend
What Axis Bank ACE Credit Card costs you
Axis Bank ACE Credit Card carries a ₹499 annual fee and a ₹499 one-time joining fee. The annual fee is waivable: Spend ?2L in a year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹499 |
| Joining fee (one-time) | ₹499 |
| Fee waiver condition | Spend ?2L in a year |
| Spend required for waiver | ₹2,00,000 / year |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
Axis Bank ACE Credit Card earns 2.00% on all eligible spends as a base reward rate, with accelerated rates on dining & food, groceries and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 2.00% |
| 🍽️ Dining & Food | 4% |
| 🛒 Groceries | 4% |
500 EDGE reward points on first transaction
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on Axis Bank ACE Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for Axis Bank ACE Credit Card
Axis Bank ACE Credit Card requires a minimum net monthly income of ₹15,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹15,000 |
| CIBIL score | 700+ (good to excellent) |
| Age range | 18–70 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 3�5 working days |
Who should (and shouldn't) get Axis Bank ACE Credit Card
- → Heavy spenders on dining & food who want 4% back
- → Heavy spenders on groceries who want 4% back
- → Moderate spenders who can clear the fee waiver condition
- → Frequent flyers who need airport lounge access
- → International travelers — the 3.5% forex markup adds up quickly
Axis Bank ACE Credit Card — Questions answered
What is the annual fee for Axis Bank ACE Credit Card?
What is the minimum income required for Axis Bank ACE Credit Card?
What is the reward rate on Axis Bank ACE Credit Card for dining & food?
Does Axis Bank ACE Credit Card provide airport lounge access?
How do I get the annual fee waived on Axis Bank ACE Credit Card?
How long does it take to get Axis Bank ACE Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.