Skip to content
Compare Cards
Axis Ace credit card

Axis Bank

Axis Ace Credit Card

Best for lifetime-free, cashback, bill-payments

Lifetime free

Mastercard Lifetime free

By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review

Annual fee

Lifetime free

Reward rate

Not published

Min. income

₹25,000

Forex markup

Not published

Lounge access

Domestic + international

Eligibility

₹0.25 lakh/yr · CIBIL 650+

Reward cap

Uncapped

Welcome benefit

None beyond fee waiver

Who is this for

  • Fee-averse spender
  • Cashback seeker

What we like

  • Lifetime-free card
  • 5% cashback on utility recharges via GPay

Issuer

Bank

Axis Bank

Private sector bank

All Axis Bank cards →

Headquarters

Mumbai, Maharashtra

Established 1993

Toll-free

1800-419-5555

Customer care: 1860-419-5555

Website

www.axisbank.com

Network

Mastercard

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹0 Not waivable
Late payment ₹500 Not waivable
Annual fee ₹0 Lifetime free; no fee ever charged
Fuel surcharge 1% Not waivable
Forex markup Not published Not waivable

Rewards

Spend category Rate Cap Redemption
All spends 5% cashback on Google Pay utility bill payments & recharges; 4% on Swiggy/Zomato/Ola; 1.5% on other spends Uncapped Cashback auto-credited to statement balance
BILL_PAYMENTS 2.00 ₹5,000/yr 1.00

Benefits

  • Domestic lounge access

    4 complimentary domestic lounge visits/year (on min Rs 50,000 spend in previous 3 months)

  • International lounge access Highlight

    None

  • Milestone benefits Highlight

    None beyond fee waiver

  • Fuel surcharge waiver

    1% waiver on fuel transactions Rs 400-4,000 (max Rs 500/month)

Eligibility

Age
18–70 years
Min. income
₹25,000
Min. credit score
650+
Employment
Salaried, self-employed, student
Documents
PAN, Aadhaar, salary slips / ITR / Form 16

Axis Ace Credit Card is a MASTERCARD credit card from Axis Bank. It is best suited for lifetime-free, cashback, bill-payments.

Fees and rewards

  • Annual fee: Nil
  • Joining fee: Nil
  • Rewards: 2% on bill pays; 1% on others

Eligibility

PAN, Aadhaar, salary slips / ITR / Form 16

Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.

Step-by-step application guide: Read the Axis Ace Credit Card apply walkthrough →

Apply for Axis Ace Credit Card

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

Check your eligibility → Compare this card →

Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the Axis Ace Credit Card worth it?
Axis Ace Credit Card is a credit card issued by Axis Bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the Axis Ace Credit Card?
Axis Ace Credit Card is a lifetime-free card with no annual or joining fee.

How does the Axis Ace Credit Card reward rate work?
Axis Ace Credit Card earns structured rewards that vary by spend category. Check the rewards tile on this page for the full multiplier schedule.
Show 3 more questions

What are the eligibility requirements for the Axis Ace Credit Card?
To qualify for Axis Ace Credit Card, you typically need: minimum annual income ₹25,000; CIBIL score of 650+; Salaried / self-employed / student only. The eligibility tile on this page has the full published criteria.

Does the Axis Ace Credit Card offer airport lounge access?
4 complimentary domestic lounge visits/year (on min Rs 50,000 spend in previous 3 months); None

What is the forex markup on the Axis Ace Credit Card?
Forex markup details for Axis Ace Credit Card are not published on FinWiz24.

← All credit cards · All Axis Bank cards · All Mastercard cards