How to Apply for the Axis ACE Credit Card in 2026

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

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.