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Guide

How to Apply for the Axis ACE Credit Card in 2026

Renish Mithani's profile photo Renish Mithani
3 min read
Reviewed by Darshil Chauhan Last reviewed 5 September 2026 Data verified 5 September 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.

How to Apply for the Axis ACE Credit Card in 2026

How to apply Total time: 10 min · You’ll need: PAN, Aadhaar, Google Pay, mobile, salary slips (if required)

Apply for the Axis ACE Credit Card with 5% cashback on bill payments, cabs, and food delivery. Eligibility, benefits, and walkthrough.

  1. Check ACE eligibility — You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.
  2. Apply online via Axis Bank website — Visit axisbank.com → Cards → Credit Cards → ACE. Click Apply Now. The form is pre-filled if you are an existing Axis customer.
  3. Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
  5. Submit and track — Submit the form. The 12-digit application reference is shown. Track status in Axis mobile app. Approval takes 5–10 working days.
  6. Receive the card and activate — 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.
  7. Link the card to Google Pay — Open Google Pay → Add Card → Axis ACE. The 5% cashback on Google Pay bill payments starts working immediately after the card is linked.
  8. Use the card for cab and food delivery — Use the card on Swiggy, Zomato, and Ola to earn 4% cashback. The 4% is capped at ₹500 per month.

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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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