Axis Bank ACE Credit Card

Axis Bank · ₹499 a year · fee waived on ₹2,00,000 of annual spend

The best flat rate among mainstream cards at 1.5%, plus 5% on bills paid through Google Pay.

Base rate: 1.5% cashback.

What the bank says

• 5% cashback on utility bills, DTH and mobile recharges through Google Pay
• 4% cashback on Swiggy, Zomato and Ola
• 1.5% cashback on all other spends, with no cap
• Annual fee waived on annual spends above ₹2,00,000

Where it pays more

• 5% on bills, DTH and mobile recharges paid through Google Pay
• 4% on Swiggy and Zomato

Things that catch people out

• The 5% and 4% rates share one ₹500 monthly cap between them.
• The 5% only applies to bills paid through Google Pay. Bills paid any other way earn nothing, so we assume you would use Google Pay.
• No cashback on fuel, rent, insurance, wallet loads, education, government payments or gold.
• Rent and wallet loads do not count toward the annual fee waiver.

Joining fee: ₹499. Foreign currency markup: 3.5%.

Read from Axis Bank’s own page on 2026-09-16.

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