Axis Bank Ace Credit Card Review

Axis Bank has partnered with Google Pay to launch a new beginner-level credit card called Axis ACE Credit Card. The credit card operates on the Visa (Signature) platform and provides cashback on all your purchases.

My Personal Experience 

I simply love the Axis Bank Ace credit card, and it has become my go-to card for all my daily purchases. The rewards and cashback offered by this card is amazing. Here are some of the highlights of my experience with this card:    

• The cashback program on this card is excellent. I get a cashback of 5% on utility bill payments like electricity, water, LPG, and broadband, as well as DTH and mobile recharges if I make the payment using the Google Pay Android app.
• For foodies like me, this card offers a 4% cashback on Zomato, Swiggy, and Ola.  The cashback is automatically credited to my account, making it easy and hassle-free.
• Even for all other purchases, I get a 2% cashback on this card, which adds up to significant savings over time.

Overall, the Axis Bank Ace Credit Card has been a great addition to my wallet, and I would highly recommend it to anyone looking to earn cashback rewards on their daily expenses.

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Let’s explore the various features and benefits of Axis Bank Ace credit card in greater detail.

Joining & Annual Fees

Joining Fees

• The joining fee for this card is Rs. 499.
• However, this fee is reversed on spending Rs. 10,000 within 45 days of card issuance.

Annual Fees

• The annual fee for this card is Rs. 499.
• The annual fee waiver can be waived off on an annual spend of Rs. 2,00,000.

Feature & Benefits

Welcome Bonus

• There is no welcome bonus offered on this card.

Dining Benefits

• You can enjoy a discount of up to 20% on dining at 4,000+ restaurants under the Axis Bank Dining Delights program.
• Also, 4% cashback on Swiggy and Zomato.

Fuel Surcharge Waiver

• Get 1% fuel surcharge is waived off on fuel transaction worth between Rs. 400 and Rs. 4,000.
• The maximum waiver is Rs. 500 per month. You can read about the best credit cards for fuel here.

Cashback Reward Benefits

• You can earn 5% cashback on paying bills including electricity, water, gas, internet bill and DTH, mobile recharges via GPay.
• You get 4% cashback on Swiggy, Ola, and Zomato.
• Get 2% cashback on all other purchases.
• The earned cashback is automatically credited to your account.

If you frequently shop on Flipkart & Myntra, consider Flipkart Axis credit card where you get 5% cashback on flikart & Myntra. You can also enjoy 4% cashback on Swiggy, Uber, PVR, and cure.fit.

Travel Benefit

• You will get 4 complimentary domestic airport lounge access per year.
• Ace credit card does not offer any international lounge access.
• Accelerated (4%) cashback on Ola rides with Axis Bank Ace Card.

Forex Markup Fees

• The forex markup fee is 3.5% on all foreign currency transactions, which may make it less attractive for those who frequently travel abroad. However, don’t worry, you can check the list of best credit and debit cards in India that offer zero forex charges.

Conclusion

For beginners, Axis Bank ACE credit card is a great choice for those who frequently use Google Pay to make payments, especially utility bill payments and DTH, mobile recharges. This card offers 5% cashback on bill payments, 4% cashback on online food orders, and 2% cashback on all your spending. 

The best alternate is HDFC Millennia credit card for a better cashback return. Millennia offers you 5% cash back on Amazon, Flipkart, Myntra, BookMyShow, Swiggy, Zomato, Sony LIV, and Uber.

If you have any query regarding Axis Bank Ace credit card, then you can also call on Axis Bank credit card customer care number.

FAQs:

#1. How can I get the annual fee waived for the Axis Bank Ace Credit Card?

The annual fee can be waived off if you spend Rs. 2,00,000 or more in a year.

#2. What is the minimum spend required to get the joining fee reversed?

The joining fee of Rs. 499 can be reversed if you spend Rs. 10,000 within 45 days of card issuance.

#3. Is there any limit on cashback that can be earned using the card?

No, there is no limit on cashback that can be earned using the card.

#4. How can I earn cashback on mobile recharges and bill payments using the Axis Bank Ace Credit Card?

You can earn 5% cashback on mobile recharges and bill payments made using the Google Pay app.

#5. Are there any benefits of using the Axis Bank Ace Credit Card for dining?

Yes, you can get a discount of up to 20% on dining at 4,000+ restaurants under the Axis Bank Dining Delights program.

#6. Can I use the Axis Bank Ace Credit Card for international transactions?

Yes, you can use the card for international transactions, but a forex markup fee of 3.5% will be applicable.

#7. Does Axis Bank Ace Credit Card offer cashback on fuel spends?

No, Axis Bank ACE Credit Card doesn’t offer cashback on fuel spends. However, you can get a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000 with a maximum cap of Rs. 500 per month.