How to Apply for the Axis ACE Credit Card in 2026
Apply for the Axis ACE Credit Card with 5% cashback on bill payments, cabs, and food delivery. Eligibility, benefits, and walkthrough.
Rahul Dabhi
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
Related card
Axis Ace
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
Written by
Rahul Dabhi
Editorial disclosure
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