Axis Bank ACE Credit Card 2025
Save up to ₹18,000+ every year on utility bills, food delivery, rides, fuel & daily spends!
If you pay utility bills, order food from Swiggy/Zomato, or use Ola often, the Axis Bank ACE Credit Card is a great everyday cashback card!
You get 5% cashback on electricity, gas, mobile/DTH recharges via Google Pay, 4% cashback on Swiggy, Zomato & Ola, 1.5% unlimited cashback on all other spends, 4 domestic lounge visits per year (after ₹50K spend in last 3 months), 1% fuel waiver up to ₹500/month, up to 15% off at 4,000+ restaurants, and low ₹499 fee waived on ₹2 Lakh annual spend.
Cashback auto-credits to your statement – no points, no expiry, super simple!
Why This Is The Best Everyday Cashback Card in 2025?
5% on utilities via Google Pay • 4% on Swiggy/Zomato/Ola • 1.5% unlimited on everything else • 4 lounge visits • 1% fuel waiver • Up to 15% dining discounts • Fee waiver on ₹2L spend.
Best for: Bill payers, foodies, cab users, families with daily spends
Card At a Glance
₹499 + GST (Waived on ₹2L spend)
₹499 + GST (Waived on ₹2L spend)
5% Utilities | 4% Food/Rides | 1.5% Others
Direct to statement (no expiry)
4 Domestic per year
1% (up to ₹500/month)
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹499 + GST (Waived on ₹2 Lakh annual spend) |
| Annual Fee | ₹499 + GST (Waived on ₹2 Lakh spend) |
| Welcome Benefit | Fee reversal on qualifying spend |
| Cashback Credit | Auto to statement 3 days before cycle |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (₹400–₹4,000 txn, max ₹500/month) |
| Cash Advance Fee | 2.5% or ₹500 (whichever higher) |
Detailed Cashback Rates (2025)
- 5% Cashback on utility bills, mobile/DTH recharges via Google Pay (capped at ₹200/month)
- 4% Cashback on Swiggy, Zomato, Ola spends (capped at ₹200/month)
- 1.5% Unlimited Cashback on all other online/offline spends
- No cashback on fuel, rent, wallet loading, EMI, insurance, government payments
- Up to 15% off (max ₹500/month) at 4,000+ partner restaurants via Dining Delights
- Auto-credited within 3 days of statement generation
Airport Lounge Access
4 complimentary domestic visits per calendar year (1 per quarter)
Requires ₹50,000 spend in last 3 months to activate
Valid at select airports like Delhi, Mumbai, Bangalore, etc.
Insurance & Protection Benefits
- Zero liability on lost card (if reported immediately)
- EMI conversion on purchases ₹2,500+
- 24/7 fraud monitoring
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% on utilities via Google Pay (easy bills) | 5% & 4% capped at ₹200/month each |
| 4% on Swiggy/Zomato/Ola (food & rides) | 3.5% forex markup (not for abroad) |
| 1.5% unlimited on everything else | Lounge needs ₹50K spend in 3 months |
| Low ₹499 fee, easy waiver | No international lounges |
| 15% dining discounts + fuel waiver | Excludes fuel/rent/EMI from cashback |
| Auto cashback – no hassle |
Eligibility Criteria & Documents Required
- Age: 18–70 years
- Minimum Annual Income: ₹4.5 Lakh (salaried) or ₹6 Lakh ITR (self-employed)
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit Axis Bank website and select ACE Card
- Fill basic details → Get instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2–3 minutes)
- Card approved & dispatched in 7–10 days
Final Verdict – Should You Get It in 2025?
If you spend ₹20,000+ monthly on bills, food delivery & rides, this card gives ₹12,000–₹18,000 cashback yearly with low fee & dining perks. Best entry-level cashback card for urban users – simple, rewarding & no redemption fuss!
Frequently Asked Questions (FAQs)
How to get 5% on bills?
Pay utilities/mobile/DTH via Google Pay using the card – auto 5% up to ₹200/month.
Is the fee waived?
Yes, joining/annual ₹499 waived on ₹2 Lakh annual spend.
When is cashback credited?
Auto to statement 3 days before next cycle – no action needed.
How to unlock lounges?
Spend ₹50,000 in last 3 months for 4 visits/year.
Any dining offers?
Up to 15% off (max ₹500/month) at 4,000+ restaurants via Axis Dining Delights.