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.

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

Apply NowSecure · Free · No spam calls

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

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% per month (55.55% per annum)
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

No rewards on

Fuel · Rent · Wallet Loads

FAQs

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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

Apply NowSecure · Free · No spam calls

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

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% per month (55.55% per annum)
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

View official MITC →

Eligibility

Age: 18–70 years

Features

✓ International usage

No rewards on

Fuel · Rent · Wallet Loads

Axis Ace Credit Card

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Guides and tools

Axis Ace Credit Card

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