How to Apply for the Axis ACE Credit Card in 2026

title: "How to Apply for the Axis ACE Credit Card in 2026" slug: how-to-apply-for-axis-ace-credit-card excerpt: "Apply for the Axis ACE Credit Card with 5% cashback on bill payments, cabs, and food delivery. Eligibility, benefits, and walkthrough." category: how-to-apply tags:

• axis
• ace
• cashback
• bill-payments
• lifetime-free relatedCards:
• axis-ace heroImage: /images/guides/axis-ace.svg publishedAt: "2026-06-18T16:57:29.306Z"

The Axis ACE Credit Card is a lifetime-free cashback card with 5% cashback on bill payments via Google Pay, utility bill payments, and cab spends, 4% on Swiggy, Zomato, and Ola, 1.5% on all other spends, and 1% fuel surcharge waiver. The card is targeted at urban users who use digital payments for daily expenses.

Why this matters

ACE is the only lifetime-free card that pays 5% on Google Pay bill payments. If you pay ₹10,000/month in bills (electricity, gas, mobile, broadband), the 5% gives you ₹500/month. The card is a strong choice for users who use Google Pay as their primary bill payment platform.

Related cards

How to Apply for the Axis ACE Credit Card in 2026

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    <h4 class="mb-1 text-base font-semibold text-ink">Check ACE eligibility</h4>
    <p class="text-sm leading-relaxed text-ink-muted">You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Apply online via Axis Bank website</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Visit axisbank.com → Cards → Credit Cards → ACE. Click Apply Now. The form is pre-filled if you are an existing Axis customer.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete the application</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete Aadhaar eKYC</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Submit and track</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Submit the form. The 12-digit application reference is shown. Track status in Axis mobile app. Approval takes 5–10 working days.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Receive the card and activate</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Once approved, the card is delivered within 5 working days. Activate via IVR, Axis mobile app, or at any Axis ATM by setting a 4-digit PIN.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Link the card to Google Pay</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Open Google Pay → Add Card → Axis ACE. The 5% cashback on Google Pay bill payments starts working immediately after the card is linked.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use the card for cab and food delivery</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Use the card on Swiggy, Zomato, and Ola to earn 4% cashback. The 4% is capped at ₹500 per month.</p>
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Common mistakes to avoid

The 5% cashback on Google Pay is capped at ₹500 per month. The 4% on Swiggy, Zomato, and Ola is also capped at ₹500 per month. The card does not earn 5% on direct bill payments via netbanking — you must use Google Pay.

Pro tips

• Use ACE as the default card for all Google Pay bill payments
• Track the ₹500+₹500 monthly cap in the Axis mobile app
• Pair with the Flipkart Axis card for Flipkart and Myntra
• Use ACE for cabs and food delivery to chase the 4% cashback

Frequently asked questions

Is Axis ACE lifetime free?

Yes. The card has no joining or annual fee. There is no fee waiver target.

What is the 5% cashback cap?

5% on Google Pay bill payments is capped at ₹500 per month. 4% on Swiggy, Zomato, and Ola is separately capped at ₹500 per month.

Does the 5X apply to direct netbanking bill payments?

No. The 5% is only on Google Pay bill payments. Direct netbanking bill payments earn 1.5% only.