Axis Bank Ace

Axis Bank ACE Credit Card is a cashback-focused credit card designed for everyday spending, especially utility payments, food delivery, and digital transactions. It offers high cashback rates with a simple structure, making it one of the best cards for regular monthly expenses. 

✔️ Applicant must be an Indian resident or NRI (subject to bank conditions)
✔️ Age: 18 to 60 years
✔️ Salaried or self-employed individual
✔️ Stable income source (₹15,000+ monthly preferred)
✔️ Good CIBIL score (750+ preferred)

✔️ Joining Fee: ₹499
✔️ Annual Fee: ₹499 (waived on annual spend criteria)
✔️ Interest Rate: ~3%–3.6% per month (~40%–45% p.a.)
✔️ Cash Withdrawal Fee: 2.5% (min ₹500)
✔️ Fuel Surcharge Waiver: 1% (as per limits)
✔️ Late Payment Charges: As per bank policy

✔️ Identity Proof (PAN Card mandatory)
✔️ Address Proof
✔️ Income Proof (Salary Slip / ITR / Form 16)
✔️ Passport-size photographs

Q1. What cashback does Axis Bank ACE Credit Card offer?
Ans. It offers 5% cashback on utility bills, 4% on food delivery & rides, and 1.5% on all other spends.

Q2. Is cashback capped?
Ans. Cashback is generally uncapped but subject to category conditions.

Q3. Does it offer lounge access?
Ans. Yes, 4 complimentary domestic lounge visits per year are provided.

Q4. Is it good for daily expenses?
Ans. Yes, it is one of the best cards for utility payments and everyday spending.

Q5. How is cashback credited?
Ans. Cashback is directly credited to your credit card statement.