What is the annual fee for Axis Ace Credit Card?

The annual fee is ₹499, which gets waived if you spend ₹2,00,000 or more in a calendar year. A joining fee of ₹499 also applies at card issuance.

How to apply for Axis Ace Credit Card?

You can apply online through Axis Bank's website or mobile app by providing basic KYC details and income information. Eligibility criteria and processing timelines can be confirmed directly with the bank.

What rewards does Axis Ace Credit Card offer?

The card provides 1.5% cashback on all purchases with a base reward rate of 1%. Cashback accrues on every transaction, making it simple and consistent across all spending categories.

What are the eligibility criteria for Axis Ace Credit Card?

Specific eligibility criteria are not detailed in the card specifications. Visit Axis Bank's official website or contact their support team to confirm income requirements, age limits, and credit score expectations.

Does Axis Ace Credit Card offer airport lounge access?

Yes, cardholders get access to 4 domestic airport lounge visits per year. This benefit is useful for frequent domestic travellers seeking complimentary lounge facilities.

Is Axis Ace Credit Card worth it?

It's worthwhile if you spend over ₹2L annually (fee waiver kicks in) and value straightforward cashback without category caps. The 4 annual lounge visits and reasonable forex markup of 3.5% add supplementary value for occasional international spenders.

Credit Cards

CashbackEntryVisa

Axis Ace Credit Card

Flat rewards on every purchase, no categories to track

Annual fee₹499Waived on ₹2.0L spend

Rewards1.50%Cashback

Forex markup3.5%3.5% of the transaction value

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Rewards

Base earn rate

1 pts per ₹100

Cashback category	Rate	Cap
Utility Bill Payments (Electricity, Internet, Gas, And More) & DTH And Mobile Recharges On Google Pay	—	—
Swiggy, Zomato & Ola	—	—
All Other Spends	—	—

• Redemption fee: ₹99

Lounge access

Domestic

4visits / year

Requires ₹50,000 prior spend

Axis Bank Airport Lounge Access Program lounge programme →

International

Not included

Fees & charges

Joining fee: ₹499, 0 (for select channels – limited time offer)
Annual / renewal fee: Annual Fee: ₹499 2nd year onward, 2nd year onward: Annual fee waived off on annual spends greater than ₹2,00,000/- {Rent transactions ( MCC 6513 ) and wallet load transactions ( MCC 6540 ) will not be eligible for spends counted in availing annual fee waiver}
Annual fee waiver: Annual fee waived off on annual spends greater than ₹2,00,000/- {Rent transactions ( MCC 6513 ) and wallet load transactions ( MCC 6540 ) will not be eligible for spends counted in availing annual fee waiver}
Add-on card fee: Free
Interest rate: 3.75% p.m. (45.00% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5% (min. ₹500) of the cash amount
Overlimit fee: 2.5% of the over limit amount (Min ₹500)
Payment dishonour: ₹500
Forex markup: 3.5% of the transaction value
DCC markup: 1.50%
Rent payment fee: 1% (w.e.f. Jul 2025)
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹500/cycle

Late payment

Nil if total payment due is upto ₹500, ₹500 if total payment due is between ₹501 - ₹5000, ₹750 if total payment due is between ₹5,001 - ₹10,000, ₹1200 if total payment due is ₹10,001 and above, Additional ₹100 on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be applicable for every payment cycle until the MAD is cleared.

View official MITC →

Eligibility

Age: 18–70 years

Features

✓ International usage

Additional features

Welcome to the world of cashback! This card becomes your everyday companion with accelerated cashback on all your spends. Cashback on every spend: 5% cashback* on Utility bill payments (electricity, internet, gas, and more) & DTH and mobile recharges on google pay, 4% cashback* on swiggy, zomato & ola, 1.5% cashback* on all other spends. Lounge access: Enjoy 4 complimentary lounge visits per calendar year at select domestic airports with your ACE credit card. Fuel surcharge waiver: 1% fuel surcharge waiver on fuel purchases at all fuel stations across India. Valid on transactions between ₹400 to ₹4000; maximum benefit of up to ₹500 per statement. GST charged on fuel surcharge won't be refundable. No cashback is earned on fuel transactions. Dining Delights: Indulge in delectable cuisines and enjoy up to 15% off at 4000+ partner restaurants in India. Convert purchases to EMI: No matter how big your next credit card purchase, go right ahead. Just contact us and convert your transaction of ₹2,500 or more into EMI.

No rewards on

Fuel · Rent · Wallet Loads