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Features of Axis Bank ACE Credit Card

  • 5% Cashback on Utility Bills and Recharges via Google Pay: Cardholders earn 5% cashback on electricity, gas, internet, DTH, and mobile recharges when payments are made through the Google Pay app. This is particularly beneficial for individuals who regularly use Google Pay for bill payments, as utility expenses are a significant part of monthly budgets.
  • 4% Cashback on Select Merchants: The card provides 4% cashback on transactions with popular platforms like Swiggy, Zomato, and Ola. This makes it an excellent choice for foodies and frequent cab users who rely on these services for dining and commuting.
  • 1.5% Cashback on Other Transactions: For all other online and offline spends (excluding certain categories like fuel, EMI transactions, and rent), cardholders earn a flat 1.5% cashback. This base rate is higher than many competing cards, which often offer 1% or less on general spends.
  • Direct Statement Credit: The cashback is credited directly to the cardholder’s account, reducing the outstanding balance and providing tangible savings without any complex redemption process.
  • ₹500 Monthly Cap on Accelerated Cashback: The 5% and 4% cashback categories have a combined monthly cap of ₹500, ensuring sustainable rewards while still offering good value to regular spenders.
Axis Bank Flipkart Credit Card
    • Complimentary Airport Lounge Access:
      The Axis Bank ACE Credit Card offers up to four complimentary lounge visits per calendar year at select domestic airports in India. This feature is rare for an entry-level card with a low annual fee, making it a premium perk for occasional travelers. To avail of this benefit, cardholders must meet a minimum spend requirement of ₹50,000 in the previous three months. The lounge access includes amenities like comfortable seating, complimentary snacks, Wi-Fi, and a relaxing environment, enhancing the travel experience.
    • Fuel Surcharge Waiver:
      For those who frequently refuel their vehicles, the card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at any fuel station across India. The maximum waiver is capped at ₹500 per statement cycle, and the GST charged on the fuel surcharge is non-refundable. This feature helps cardholders save on fuel expenses, which are a recurring cost for many.
    • Dining Discounts:
      The card enhances the dining experience by offering up to 20% off at over 4,000 partner restaurants across India through the Axis Bank Dining Delights program. Participating restaurants include popular chains like KFC, TGI Fridays, and Chicago Pizza, as well as local favorites. This feature is ideal for those who enjoy dining out or ordering in, as it provides significant savings on food bills.
    • EMI Conversion Option:
      To make large purchases more manageable, the Axis Bank ACE Credit Card allows cardholders to convert transactions of ₹2,500 or more into Equated Monthly Installments (EMIs). The EMI tenure options range from 6 to 24 months, with an interest rate of 1.5% per month and a one-time processing fee of 1.5% or ₹250 (whichever is higher). This feature is particularly useful for purchasing electronics, appliances, or other high-value items without straining finances.
    • Low Annual Fee with Waiver Options:
      The card comes with a joining fee of ₹499 + GST and an annual fee of ₹499 + GST. However, the joining fee is waived if the cardholder spends ₹10,000 within 45 days of card issuance, and the annual fee is waived if annual spends exceed ₹2,00,000. These achievable thresholds make the card cost-effective for regular users.
    • Contactless Payments:
      The Axis Bank ACE Credit Card supports contactless payments, allowing cardholders to make quick and secure transactions by simply tapping the card at compatible POS terminals. This feature enhances convenience for small, everyday purchases like groceries or coffee.
    • Co-Branded Partnership with Google Pay and Visa:
      The card is a co-branded offering with Google Pay and Visa, ensuring seamless integration with digital payment platforms and wide acceptance at merchants worldwide. The partnership with Google Pay enhances the card’s utility for online transactions, particularly for bill payments and recharges.
    • Robust Customer Support:
      Axis Bank provides 24/7 customer support for ACE Credit Card holders. Cardholders can reach out via phone (8885545255), or the Axis Mobile App for assistance with queries, unauthorized transactions, or card replacement. The bank also offers a quick card-blocking option by sending an SMS (BLOCK XXXX to 5676782), ensuring security in case of loss or theft.
    • Flexible Credit Limit:
      The card offers a credit limit based on the cardholder’s income, credit score, and relationship with Axis Bank. While the exact limit varies, those with higher incomes and good credit scores typically receive a higher limit. Cardholders can request an increase in the credit limit over time by contacting customer care or emailing the bank.
Axis Flipkart Benefits

Benefits of Axis Bank ACE Credit Card

  • Valuable for Diverse Spending Habits: The Axis Bank ACE Credit Card offers a range of benefits that cater to diverse spending habits, from daily necessities to lifestyle indulgences. Below, we delve into the key advantages that make this card a valuable addition to your wallet.
  • Significant Savings on Utility Bills: The 5% cashback on utility bill payments and recharges via Google Pay is a major benefit, as these expenses are unavoidable for most households. For example, if you spend ₹10,000 monthly on electricity, gas, internet, and mobile recharges through Google Pay, you can earn ₹500 in cashback (subject to the monthly cap). Over a year, this translates to ₹6,000 in savings, far exceeding the card’s annual fee.
  • Enhanced Security and Convenience: The contactless payment feature and robust customer support enhance the card’s usability and security. The ability to quickly block a lost or stolen card via SMS or customer care minimizes the risk of unauthorized transactions. Additionally, the card’s integration with the Axis Mobile App allows users to track spends, pay bills, and manage their account on the go.
    • Rewards for Food and Travel: The 4% cashback on Swiggy, Zomato, and Ola transactions is tailored for urban professionals who frequently order food online or use ride-hailing services.
    • Travel Perks for Occasional Flyers: The complimentary lounge access benefit elevates the travel experience for cardholders who fly a few times a year. Access to airport lounges, typically reserved for premium cards.
    • Fuel Cost Reduction: The 1% fuel surcharge waiver, capped at ₹500 per statement cycle, helps offset rising fuel prices. If you spend ₹50,000 annually on fuel within the eligible transaction range, you can save ₹500 per year.
    • Budget-Friendly Fee Structure: The low joining and annual fees, coupled with waiver options, make the card affordable for a wide audience. First-time cardholders can easily meet the ₹10,000 spend requirement within 45 days.
    • Financial Flexibility with EMI: The EMI conversion option allows cardholders to spread out the cost of big-ticket purchases, making it easier to manage finances.
    • Ideal for First-Time Cardholders: With its low annual fee, easy eligibility criteria, and attractive cashback offers, the Axis Bank ACE Credit Card is an excellent choice for individuals new to credit cards.
    • Wide Acceptance: As a Visa card, the Axis Bank ACE Credit Card is accepted at millions of merchants worldwide, both online. This global acceptance ensures cardholders can use it for domestic and international transactions.
    • Encourages Digital Payments: The card’s partnership with Google Pay promotes digital transactions, aligning with India’s push toward a cashless economy. The high cashback rate on Google Pay transactions incentivizes cardholders.
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How to Apply for Axis Bank ACE Credit Card

  • 1. Online Application Process
    • The online application process is digital, paperless, and convenient, allowing you to apply from anywhere using a smartphone or computer.
    • Step 1: Visit the Official Website or Partner Platform
      Go to the Axis Bank website (www.axisbank.com) and navigate to the “Credit Cards” section under “Explore Products” > “Cards”. Alternatively, you can apply via partner platforms such as Paisabazaar, BankBazaar, Logintoloans, MyMoneyMantra, or IndiaLends.
    • Step 2: Select the ACE Credit Card
      Browse the available credit cards, select the Axis Bank ACE Credit Card, and click “Explore More” to review benefits or “Apply Now” to start your application.
    • Step 3: Fill Out the Application Form
      Enter personal details (name, DOB, PAN, mobile number, email), employment details (occupation, monthly income, employer), and contact information. Existing Axis Bank customers can log in with net banking credentials or customer ID for a faster process.
    • Step 4: Upload Required Documents
      Upload scanned copies of identity proof (PAN card, Aadhaar), address proof (utility bill, Aadhaar), income proof (salary slips, ITR, Form 16), and a recent color photograph. Ensure clarity and compliance with bank specifications.
    • Step 5: Submit the Application
      Review all details for accuracy, submit the form, and receive an application reference number via SMS or email to track your application.
    • Step 6: Verification and Approval
      Axis Bank will verify your details and documents. You may be contacted for additional information. If approved, the card is typically delivered within 7-10 working days, with SMS updates and tracking details.
  • 2. Offline Application Process
    • If you prefer personal assistance, visit the nearest Axis Bank branch with all required documents.
    • Step 1: Locate a Branch
      Use the Axis Bank website or app to find your nearest branch.
    • Step 2: Meet a Bank Representative
      Inform the representative you want to apply for the ACE Credit Card; they will provide the physical application form.
    • Step 3: Complete the Application Form
      Fill in your personal, employment, and contact details accurately to avoid delays or rejection.
    • Step 4: Submit Documents
      Provide physical copies of your identity proof, address proof, income proof, and a recent photograph. Additional documents may be requested based on your profile.
    • Step 5: Verification and Processing
      The branch forwards your application for verification. You'll receive an application reference number to track status. Approved cards are mailed within 7-10 working days.
  • 3. Tips for a Successful Application
    • Check Eligibility First
      Make sure you meet all eligibility criteria before applying.
    • Maintain a Good Credit Score
      A CIBIL score above 700 improves your approval chances.
    • Provide Accurate Information
      Double-check all entered details to avoid errors or rejection.
    • Keep Documents Ready
      Have clear scanned or physical copies of all necessary documents handy to speed up the process.
    • Track Application Status
      Use your application reference number on the Axis Bank website or contact customer care at 8885545255 to monitor your application progress.

Eligibility Criteria for Axis Bank ACE Credit Card

  • 1. Age Requirements
    • Primary Cardholder: 18 to 70 years
    • Add-on Cardholder: Minimum 15 years
  • 2. Residency Status
    • Applicant must be a resident of India
    • NRIs are not eligible for Axis Bank ACE Credit Card
  • 3. Income Requirements
    • No explicit minimum income stated by Axis Bank
    • Preferred stable monthly income of ₹25,000 or more
    • Income can be from salaried employment or self-employment (as per ITR)
  • 4. Credit Score
    • Good credit score preferred, typically above 700 (CIBIL scale)
    • First-time applicants with no credit history may still qualify with other proofs like fixed deposit
  • 5. Employment Status
    • Applicant must be salaried or self-employed
    • Salaried: Employed with a reputable organization
    • Self-employed: Proof of income via ITR or business documents required
    • Students eligible if they have an approved education loan, fixed deposit ≥ ₹25,000, or are add-on cardholders linked to primary cardholders with good credit
  • 6. Relationship with Axis Bank
    • Existing customers with savings, FD, or loans may get approval advantage
    • Fixed deposit ≥ ₹25,000 allows applying for a secured version with relaxed eligibility
  • 7. Other Considerations
    • Debt-to-Income (DTI) ratio will be evaluated
    • Applicants with multiple loans or cards may face stricter scrutiny
  • Note
    • Eligibility criteria are indicative and subject to Axis Bank’s internal assessment
    • Meeting criteria does not guarantee approval; additional documents may be requested
  • 8. Location-Based Eligibility
    • Applicants from Tier 1 and Tier 2 cities are preferred due to higher service availability
    • Applicants from blacklisted or restricted PIN codes may be declined
  • 9. Document Readiness
    • Valid identity proof (Aadhaar, PAN, Voter ID, Passport)
    • Address proof and income proof (latest payslip, ITR, Form 16)
    • Bank statement showing recent transactions (last 3–6 months preferred)
  • 10. Credit Utilization Behavior
    • Applicants with credit card utilization consistently below 30% have higher approval chances
    • High utilization (above 50%) on existing cards may raise red flags
  • 11. Employment Stability
    • Stable job or business history of at least 1 year preferred
    • Frequent job changes in the past 12 months may negatively affect chances
  • 12. Previous Credit Card or Loan Rejection
    • Recent rejections by Axis Bank or other lenders can reduce approval likelihood
    • Applicants should wait at least 3–6 months before reapplying after a rejection
  • 13. Add-On Card Eligibility
    • Primary cardholders can apply for add-on cards for family members aged 15 and above
    • Add-on users’ spending is consolidated under the primary account
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Documents Required for Axis Bank ACE Credit Card

  • Identity Proof:
    • PAN Card – Mandatory unless Form 60 is submitted; linked to tax and credit history.
    • Aadhaar Card – Government-issued photo ID and address proof.
    • Voter’s ID – Valid photo ID issued by the Election Commission.
    • Driving License – Must be valid with photo and details.
    • Passport – Accepted as a valid identity document.
    • Overseas Citizen of India (OCI) Card / Person of Indian Origin (PIO) Card.
    • Job Card issued by NREGA or any other government-approved photo ID.
    • Note: If PAN is unavailable, submit Form 60 with additional verification.
  • Address Proof:
    • Aadhaar Card – Preferred if address is current and updated.
    • Voter’s ID – Must show current residential address.
    • Driving License – Should show current address.
    • Passport – Valid with address details.
    • Utility Bills – Electricity, telephone, or gas bills not older than 3 months.
    • Ration Card – Accepted for address verification.
    • Property Registration Document – If applicable.
    • Bank Account Statement – Recent, typically within the last 3 months.
    • Rental Agreement – For applicants residing in rented accommodations.
  • Income Proof:
    • Salaried Individuals:
      • Latest salary slips for the last 2–3 months.
      • Form 16 issued by the employer for the previous financial year.
      • Bank statement showing salary credits for recent months.
    • Self-Employed Individuals:
      • Latest Income Tax Return (ITR) acknowledgment.
      • Audited financial statements (Profit & Loss, Balance Sheet).
      • Bank statements showing business transactions for the last 6 months.
    • Students / Fixed Deposit Holders:
      • Proof of fixed deposit (minimum ₹25,000) or education loan sanction letter.
      • Income proof may not be mandatory for secured cards backed by deposits.
  • Photograph:
    • Recent passport-sized color photograph.
    • Plain background, full face visible without obstruction.
    • Within last 6 months.
    • Digital copy acceptable for online applications.
  • Additional Documents (If Applicable):
    • Form 60 – If PAN card is not available.
    • Fixed Deposit Documents – For secured credit cards.
    • Employment Proof – Employment letter or ID card for salaried applicants.
    • Business Registration or GST Certificate – For self-employed applicants.
    • Add-On Cardholder Documents – Identity proof and photograph.
  • Submission Guidelines:
    • Upload clear, legible scanned copies (PDF/JPEG) for online applications.
    • Submit photocopies with originals for offline applications.
    • Ensure document validity and consistency in details.

Factors Affecting Eligibility for Axis Bank ACE Credit Card

  • Credit Score: A key factor from bureaus like CIBIL, Equifax, Experian, or CRIF High Mark. An ideal score is above 700. Scores below 600 may require additional documents.
  • No Credit History: First-time applicants with stable income or fixed deposits may still be eligible, but with lower credit limits initially.
  • Income Level: Monthly income of ₹25,000+ preferred; salaried must provide salary slips, self-employed must provide ITR and business financials.
  • Debt-to-Income Ratio (DTI): Preferably below 40%; high DTI (above 50%) can cause rejection.
  • Credit Utilization Ratio: Healthy utilization is below 30%; high usage above 50% reduces approval chances.
  • Relationship with Axis Bank: Existing customers or fixed deposit holders get preferential treatment.
  • Age and Employment Stability: Eligible ages 18-70; steady employment or business history required.
  • Existing Credit Commitments: Multiple active loans or late payments reduce chances.
  • Background Verification: KYC and fraud checks conducted; discrepancies can lead to rejection.
  • Application History: Previous rejections or multiple simultaneous applications hurt chances.
  • Economic and Policy Factors: Bank policies and economic conditions influence approval criteria.
  • Occupation Type: Salaried employees working with reputed private/public sector companies or self-employed professionals/business owners have higher chances.
  • Location: Applicants from Tier-1 and Tier-2 cities are more likely to get approvals, as banks have better service networks and credit data there.
  • Bank Account Activity: A well-maintained savings/current account with regular transactions can boost credibility.
  • Loan Repayment Track Record: A clean history of timely EMI payments improves the applicant’s trustworthiness.
  • Credit Mix: A healthy balance of secured (like home loans) and unsecured (like credit cards) credit reflects good credit behavior.
  • Length of Credit History: A long and consistent credit history shows financial discipline and improves approval chances.
  • Recent Hard Inquiries: Multiple hard inquiries in a short span (like applying for many credit cards or loans) reduce approval odds.
  • Residential Stability: Long-term residence at the same address suggests stability and reduces perceived risk.
  • Employment with Listed Organizations: Employees of MNCs, government departments, or Axis Bank’s listed partners may receive easier approvals.
  • Spending Behavior: Predictable, moderate spending patterns (seen through linked Axis Bank accounts) suggest financial reliability.
  • Co-applicant or Add-on Cards: Having a family member with a good credit history using Axis Bank cards can increase your chances as a first-time applicant.
  • Existing Credit Card Limits: High existing limits with other banks (with good usage patterns) can be a positive signal.
  • Annual Tax Filings: Regular ITR filings for self-employed or high-net-worth individuals support eligibility.
  • Utility Bill Payment Behavior: Timely payment of utilities like electricity and broadband (via credit bureau linkages) helps build credibility.

Frequently Asked Questions (FAQs)

What is the Axis Bank ACE Credit Card?
It is a cashback credit card that offers attractive returns on everyday spending, especially on bill payments and mobile recharges via Google Pay.
What are the main benefits of the ACE Credit Card?
Key benefits include 5% cashback on bill payments via Google Pay, 4% cashback on partner merchants like Swiggy, Zomato, and Ola, and 2% cashback on all other spends.
What is the annual fee for the Axis ACE Credit Card?
The annual fee is ₹499 + GST, which is waived on annual spends of ₹2,00,000.
Who is eligible to apply for the ACE Credit Card?
Indian residents aged between 18 and 60 with a stable income (salaried or self-employed) are eligible.
Is there a joining fee for the card?
Yes, the joining fee is ₹499 + GST, but welcome benefits often compensate for it.
How does cashback work on this card?
Cashback is automatically credited to your card account at the end of each billing cycle.
Do I need a Google Pay account to use the card?
Yes, to earn 5% cashback on bill payments, you must use Google Pay with the ACE Card.
Are there any exclusions for cashback rewards?
Yes, cashback is not applicable on fuel, wallet reloads, EMIs, and rent payments.
Can I use the ACE Card for international transactions?
Yes, the card supports international usage but charges a foreign currency markup fee of 3.5%.
Does the card offer lounge access?
No, Axis Bank ACE Credit Card does not provide complimentary airport lounge access.
Is there a fuel surcharge waiver?
Yes, you get a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹500 per month.
How can I apply for the ACE Credit Card?
You can apply online via the Axis Bank website or through select third-party portals, or by visiting a branch.
What is the credit limit offered?
The credit limit varies based on the applicant’s income, credit history, and Axis Bank’s internal policies.
How can I track my ACE Card application status?
You can track the status online using the application reference number on Axis Bank’s official website.
Is there a mobile app to manage the credit card?
Yes, you can manage your card through the Axis Mobile App or Internet Banking for payments, statements, and offers.

List of Axis Bank Ace Credit Card Branches in Andhra Pradesh

  • Andhra Pradesh (PEDDAPURAM)
  • Andhra Pradesh (PENUKONDA)
  • Andhra Pradesh (PIDUGURALLA)
  • Andhra Pradesh (PILLALAPALLE)
  • Andhra Pradesh (SAI BHARATHI ENCLAVE ASHOK NAGAR KAKINADA)
  • Andhra Pradesh (PRATHIPADU)
  • Andhra Pradesh (PRODDATUR)
  • Andhra Pradesh (PUTTAPARTHI)
  • Andhra Pradesh (RAJAHMUNDRY)
  • Andhra Pradesh (ROAD NO.2, BANJARA HILLS)
  • Andhra Pradesh (RAJAMPET)
  • Andhra Pradesh (RAMACHANDRAPURAM)
  • Andhra Pradesh (RANGA REDDY COOPERATIVE URBAN BANK)
  • Andhra Pradesh (RAYACHOTI)
  • Andhra Pradesh (RAZOLE)
  • Andhra Pradesh (REPALLE)
  • Andhra Pradesh (ROAD NO.12, BANJAR HILLS)
  • Andhra Pradesh (RAJAM)
  • Andhra Pradesh (S.D. ROAD SHIVAJI NAGAR)
  • Andhra Pradesh (PONNUR)