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

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

Outstanding amount	Late fee
₹0 – ₹500	₹0
₹501 – ₹5,000	₹500
₹5,001 – ₹10,000	₹750
Above ₹10,001	₹1,200

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