Axis Bank ACE Credit Card
CardIQ
Fair
Overall score, out of 100 · How this works
- Airport lounge35
- Cashback79
- Rewards24
- Travel36
Customer reviews
No reviews yet. Be the first to review the Axis Bank ACE Credit Card.
Pros & cons
What's good
- Complimentary airport lounge access (4 visits a year).
- Earns cashback on eligible spending.
- No fee to add an additional cardholder.
Worth noting
- Joining fee ₹499 waived on spends of ₹10,000 within 45 days of card set-up. Annual fee ₹499 from 2nd year onward; waived on annual spends greater than ₹2,00,000 (rent MCC 6513 and wallet load MCC 6540 transactions excluded). Add-on card joining and annual fees are Nil. Taxes as per government norms applicable on all fees.
- Earns no rewards points on spending.
- No balance transfer or introductory purchase offer.
Card details
The basics
- Additional cardholder fee
- ₹0 p.a.
- Card tier
- Not published
- Card type
- Not published
- Card use
- Personal
- Credit limit
- Not published
- Credit rating
- Not published
- Rewards program
- None
Eligibility
- Instant approval
- Not published
- Joint application
- Not published
- Minimum age
- Not published
- Minimum income
- Not specified
- Residency
- Not published
- Temporary residents
- Not published
Rates & fees
Ongoing interest rates
- Cash advances
- 45.00% p.a.
- Purchases
- 45.00% p.a.
Fees
- Additional cardholder fee
- ₹0
- Annual fee
- ₹499 p.a.
- Annual fee (year 2+)
- ₹499 p.a.
- Cash advance fee
- 2.5% of the amount
- Foreign transaction fee
- 3.5%
- Late payment fee
- ₹1,300
- Over limit fee
- ₹500
Repayments
- Interest-free period
- Not published
- Minimum repayment
- Minimum Amount Due (MAD)
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Cashback
- Ongoing cashback
- 5% on eligible spend
5% on utility bill payments, DTH and mobile recharges on Google Pay; 4% on Swiggy, Zomato & Ola; 1.5% on all other spends. No cashback on fuel transactions.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Browse by card type
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Questions and answers
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Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuer
- Axis Bank