Axis Bank ACE Credit Card: Benefits and Charges

Axis Bank ACE Credit Card Benefits and Charges

Axis Bank ACE Credit Card is a credit card specially designed for those who want to get more cashback and savings on their daily needs. Axis Bank Credit Card also offers many special features along with cashback and reward points, which gives a lot of benefits to the customers using it. The biggest special thing about Axis Bank Credit Card is that it has been introduced in association with Google Pay, which makes online payment even easier and much more beneficial.

The big attraction of the Axis Bank ACE Credit Card is that you get a cashback of 2% to 5%. Specifically, when you do utility bills, mobile recharge, or DTH recharge, you get up to 5% cashback. Apart from this, up to 4% cashback is also available on payment through Axis Bank ACE Credit Card on online food delivery platforms like Zomato and Swiggy. Thus, you can also save a lot by using Credit Card on daily expenses.

Many benefits related to travel and entertainment are also given with the Axis Bank ACE Credit Card. With the Axis Bank Credit Card, you can also get better discounts on different airlines and hotel bookings. Apart from this, Axis Bank Credit Card comes with the facility of contactless payment, which makes your transaction not only safe but also fast.

In today’s article, we will learn in detail about Axis Bank Ace Credit Card. Along with this, we will also learn in detail about the great benefits and cashback of Axis Bank Ace Credit Card, so read this article till the end so that you do not face any problems later.

What is the Axis Bank ACE Credit Card?

Axis Bank ACE Credit Card is a great cashback credit card launched by Axis Bank to provide more savings and convenience to customers on daily spending.

Credit Card is specially designed for those who want to save on their bills, online shopping, and other regular expenses. Introduced in partnership with Google Pay, Axis Bank Credit Card gives the customer cashback on every transaction, making it a popular choice for people.

How is the design of the Axis Bank ACE Credit Card?

Credit Card has a very sleek, modern look that simply reflects its premium features. It is mostly black, so it seems quite sleek and stylish. All the important information of the cardholder is niftily aligned so that clear, accessible points of identification are brought to the forefront, while the main focus remains on the Axis Bank logo.

Users attracted to minimalist-yet-elegant designs of any financial accessory also find appeal in this card since it embodies both a professional and clean look at the same time. Its looks complement its good set of card benefits, meaning it’s practical and beautiful, too.

What are the benefits of the Axis Bank ACE Credit Card?

Here are some key benefits it avails:

  1. Welcome Benefits: When you apply for a credit card, get some welcome bonuses that can involve cashback and discounts on transactions at the onset.
  1. Surcharge Waiver on Fuel: You can get a 1% surcharge waiver on every fuel station in India, making traveling cheaper.
  1. Low Forex Markup: For traveling internationally, a low foreign exchange markup of 1.99% is provided through the card which will reduce any overseas purchase charge.
  1. Contactless Payments: It supports contactless payment technology; you can easily make quick, secure transactions with just a tap of your card.
  1. Cash Back on Transactions: You can get 5% cash back on bill payments via Google Pay and other partner merchants, which is great for frequent expenses like electricity and water bills.
  1. Dining and Entertainment: The service gives a cashback of 4% for food delivery, Swiggy, and entertainment services, including Zomato, ideal for foodies and movie fans.
  1. Other spending will give a cashback of 2%. Each purchase has some value.
  1. Cashback does not have an upper limit; the service will offer the highest possible cashback in every case to suit the high spender.
  1. Annual Fee Waiver: If you spend ₹2 lakh in a year, the annual fee of the card is waived. This way, it is cheaper for frequent users.

What are the fees for the Axis Bank ACE Credit Card?

Here is a simple breakup of the Credit Card fees.

Joining Fee₹499 + GST (one-time fee when you get the card).
Annual Fee₹499 = GST per year. This will be waived if you spend ₹2,00,000 or more in a year.
Add-on Card FeeNo charges for additional cards for family members.
Finance Charges3.75% per month (48% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment FeeFor Statement Balance
Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an Axis Bank Credit Card?

The following are the primary requirements:

  1. To apply for the  Axis Bank Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.
  1. The income requirement differs according to your employment status:
  • Self-Employed Professionals: A minimum Annual income of Rs.2 lakhs usually does the job.
  1. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
  1. Your credit score plays a role in the selection process. It is a tendency for Axis Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
  1. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
  1. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
  1. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an Axis Bank ACE Credit Card?

The documents that you will have to submit to get an Axis Bank Credit Card are as below:

Identity ProofAadhaar card, Passport, Voter ID, Driving license, PAN card
Address ProofUtility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income ProofSalary slip for the last 3 months if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
PhotographThe latest passport-sized photograph

Where can the Axis Bank Credit Card be use?

Here is the list of places where you can use it:

  • With the Axis Bank Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
  • You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
  • You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
  • You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
  • You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
  • You can use your  Axis Bank ACE Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
  • The  Axis Bank Credit Card is also accept in other countries, where you can make purchases and payments. It is also accept wherever Visa is accept.

What is the credit limit of the Axis Bank Credit Card?

The credit amount you can spend is what you are provided with an Axis Bank Credit Card. It is base on your income, credit score, and other financial history when you are select for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an Axis Bank ACE Credit Card?

Apply it through both these modes: 

Online Application Process:

  • Visit the official website of the Axis Bank, i.e. 
  • Go to ‘Cards’, followed by ‘Credit Cards’.
  • On that page, you can see numerous options for credit cards issued by Axis Bank; for instance, you can choose the  Axis Bank ACE Credit Card.
  • Just hover your cursor on the  Axis Bank Credit Card, followed by selecting ‘Apply Now‘ from there.
  • You will be ask to fill out your details including your name, contact information, income details, and employment status.
  • Be accurate and updated with the information provided.
  • You are require to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mention above.
  • After filling out the details and uploading the documents, review your application to make sure everything is correct.
  • The bank will check your application after submitting it. They can ask for extra documents or information if required.
  • You will be inform about the status of your application, and if approve, your card will be deliver to you.

Offline Application Process:

  • You can walk into the nearest Axis Bank branch to apply for the  Axis Bank Credit Card.
  • Request for the credit card application form of the  Axis Bank Credit Card. They will provide you with the form and proceed accordingly.
  • Fill the details in the application form wherever it is require. Care should be take that all the information about personal details, income, and jobs provide by the applicant should be correct.
  • Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
  • Your application will be process, and your information will be cross-check at the bank level.
  • In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
  • You will receive the  Axis Bank Credit Card by post at the same postal address.
  • Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Axis Bank Card website, or mobile app or by calling their customer service.
  • You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an Axis Bank Credit Card in 2025 be right?

Yes, getting an Axis Bank ACE Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

It provides the Axis Bank ACE Credit card as a shrewd option for saving that the customers aim to save the maximum amount. Its superior cashback model offers great returns on utility bill payments, food ordering, and online transactions, making Axis Bank Credit Card very economical for the everyday needs of people. Along with this, the Axis Bank Credit Card comes with premium benefits such as contactless payments, security features, and airport lounge access, making it even easier to use.

Low annual fee and fee waiver based on the annual spend, which makes it even more economical. For all those customers looking for cash back and savings to keep a check on their spending, the Axis Bank Credit Card becomes an ideal one. Further to this, being a partner with Google Pay makes this Axis Bank ACE Credit Card quite useful, more so for people who use more digital modes of payment.

It can be said that Credit Card is the credit card, saving you expense money and yet it is simple, offering some of the best premium features in one card and making it the smart and pocket-friendly card. The Axis Bank ACE Credit Card could be great if you seek a credit card covering your everyday expenditure and that would save you money too.

Frequently Asked Questions (FAQ’s)

Que: Is there any annual fee for Axis Bank ACE Credit Card?

Ans: Yes, the annual fee for Axis Bank ACE Credit Card is ₹499. This fee can be waived on spending up to ₹10,000 in the first year, and the annual fee can be waived in the next year as well if the customer spends up to a certain limit.

Que: Is there a fuel surcharge waiver with Axis Bank ACE Credit Card?

Ans: Yes, there is a fuel surcharge waiver with Axis Bank Credit Card. A fuel surcharge of 1% is waived on fuel transactions, provided the transaction amount should be between ₹400 to ₹4000.

Que: What should be the minimum age limit to get an Axis Bank ACE Credit Card?

Ans: The minimum age for Axis Bank Credit Card should be 18 years and the maximum age limit is up to 70 years.

Que: Does Axis Bank ACE Credit Card come with airport lounge access?

Ans: Yes, Axis Bank Credit Card comes with domestic airport lounge access once per quarter.

Que: How to apply for an Axis Bank ACE Credit Card?

Ans: Application for Credit Card can be done online through the bank’s website or by visiting the nearest branch of Axis Bank.

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