The Axis Bank ACE Credit Card is designed as a premier everyday financial tool for those seeking maximized savings through accelerated cashback rewards. It offers an industry-leading 5% cashback on utility bill payments, DTH, and mobile recharges when paid via Google Pay, making monthly essentials more affordable. Beyond utilities, cardholders benefit from 4% cashback on popular services like Swiggy, Zomato, and Ola, alongside an unlimited 1.5% on other eligible transactions. With additional lifestyle features such as four complimentary domestic airport lounge visits annually and fuel surcharge waivers, it blends high utility with premium travel perks.
Overview of Axis Bank ACE Credit Card
This card provides a high-value rewards structure that prioritizes digital payments and essential lifestyle spending.
| Feature | Details |
| Joining Fee | ₹499 |
| Annual Fee (2nd Year) | ₹499 (Waived on annual spends > ₹2,00,000) |
| Cashback on Utilities | 5% via Google Pay (Capped at ₹500 per statement) |
| Cashback on Food/Travel | 4% on Swiggy, Zomato, and Ola |
| General Cashback | 1.5% Unlimited on other eligible spends |
| Lounge Access | 4 Complimentary domestic visits per calendar year |
| Finance Charges | 3.75% per month (55.55% per annum) |
Eligibility Criteria for Axis Bank ACE Credit Card
To maintain eligibility for the card and its benefits, users must adhere to specific usage policies defined by the bank.
- Personal Use Only: The credit card is issued exclusively for bonafide personal expenses and purposes.
- No Commercial Usage: Cardholders are strictly prohibited from using the card for commercial or business purposes, such as purchasing items for resale or working capital.
- Lawful Activity: The card must be used only for lawful activities and cannot be utilized for money laundering, speculative activities, or anti-social purposes.
- Bank Discretion: Axis Bank reserves the right to cancel the card and withhold cashback if usage patterns suggest prohibited or restricted commercial activities.
- Account Standing: Eligibility for earning cashback is contingent upon the card account remaining active and not blocked due to non-payment of dues.
Also Read: Axis Bank Credit Cards
Documents Required for Axis Bank ACE Credit Card
While the provided sources do not explicitly list the documents required for a general ACE Credit Card application, based on our conversation history and standard banking requirements, the following documents are typically necessary for verification:
- Proof of Identity: A valid government-issued document such as a PAN Card or Aadhaar Card.
- Proof of Residence: Recent documents like utility bills, a passport, or an Aadhaar Card.
- Proof of Income: Financial documents such as latest salary slips, Form 16, or Income Tax Returns (ITR) for self-employed individuals.
Note: The document list above is not found in the provided sources; you may want to independently verify this information with the bank.
Axis Bank ACE Credit Card Fees & Charges
The ACE Credit Card features a transparent fee structure for maintenance and various transaction types.
| Fee/Charge Type | Amount or Rate |
| Joining Fee | ₹499 |
| Annual Fee (2nd year onwards) | ₹499 (Waived if annual spends exceed ₹2,00,000) |
| Finance Charges (Retail & Cash) | 3.75% per month (55.55% per annum) |
| Cash Withdrawal Fee | 2.5% of the amount (Minimum ₹500) |
| Late Payment Fees | Up to ₹1,200 based on the total payment due |
| Foreign Currency Fee | 3.5% of the transaction value |
| Rent Transaction Fee | 1% per transaction |
| Utility Transaction Fee* | 1% on cumulative spends of ₹25,000 or more per cycle |
| Wallet Load Fee* | 1% on cumulative spends of ₹10,000 or more per cycle |
*The annual fee waiver excludes rent (MCC 6513) and wallet load (MCC 6540) transactions. Specific transaction fees for utilities, wallet loads, and education payments are applicable starting from December 20, 2024.
Steps to Apply for Axis Bank ACE Credit Card
Although the sources provide “Apply Now” links and mention a “3 quick moves” process via bank blogs, they do not detail the specific manual steps. According to our conversation history and standard digital application procedures, you can apply by following these steps:
- Visit official Axis Bank site and locate the ACE Credit Card under the ‘Credit Cards’ section.
- Click on the ‘Apply Now’ button to open the digital application form.
- Enter your personal, contact, and employment information as requested.
- Submit digital copies of your identity, address, and income proofs.
- Review your details and submit the application for the bank to begin the verification process.
Note: The specific steps listed above are from our conversation history and are not detailed in the provided sources; please verify the exact current process on the official Axis Bank portal.
Track Axis Bank ACE Credit Card Application Status
Monitoring the progress of your credit card request can be done through the bank’s dedicated digital tracking portal.
- Navigate to the ‘TRACK YOUR APPLICATION’ section on the official Axis Bank website.
- Enter your unique Application ID or the mobile number used during the registration process.
- Input the OTP (One-Time Password) sent to your registered device to verify your identity.
- Review the real-time status of your ACE Credit Card processing on the dashboard.
Note: While the tracking link is provided in the sources, the specific steps involving OTP and Application ID entry are based on standard digital procedures from our conversation history and should be verified on the bank’s portal.
Also Read: Axis Bank Credit Card Application Status
Axis Bank ACE Credit Card Features & Benefits
The ACE Credit Card is built to provide high-value returns on frequent digital spends and essential lifestyle expenses.
- Utility & Recharge Cashback: Earn a market-leading 5% cashback on utility bill payments (electricity, internet, gas, etc.), DTH, and mobile recharges exclusively through Google Pay.
- Lifestyle Rewards: Receive 4% cashback on popular services including Swiggy, Zomato, and Ola.
- Base Spends: Enjoy an unlimited 1.5% cashback on all other eligible transactions for personal use.
- Airport Lounge Privileges: Access select domestic airport lounges 4 times per calendar year at no additional cost.
- Fuel Savings: Benefit from a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, with a maximum monthly benefit of ₹500.
- Dining Discounts: Access up to 15% off (up to ₹500 monthly) at partner restaurants through the bank’s dining program.
- EMI Conversion: Large purchases of ₹2,500 or more can be converted into manageable monthly installments by contacting the bank.
Also Read: Airport Lounge Access Credit Card
Axis Bank ACE Credit Card Customer Care Number
For assistance with account queries, fraud reporting, or service requests, the bank provides several contact channels.
| Channel | Contact Information |
| Toll-Free Support | 1800 209 5577 / 1800 103 5577 |
| Chargeable Support | 1860 419 5555 / 1860 500 5555 |
| WhatsApp Banking | Text “Hi” to 7036165000 |
| EMI Support | Call 1860 419 1919 for EMI cancellations or foreclosures |
| SMS Balance Check | SMS “BAL” to 56161600 or 9951 860 002 |
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