Axis Bank ACE Credit Card
The Axis Bank ACE Credit Card, in partnership with Google Pay and Visa, offers 5% cashback on utility bill payments like electricity, gas, water, and internet through the Google Pay app. It also gives 4% cashback on services like Swiggy, Zomato, and Ola. This card is ideal for young professionals new to credit cards and comes with extra perks like free access to domestic airport lounges and a 20% discount at over 4,000 partner restaurants.
The Axis Bank ACE Credit Card is a great choice for those who want cashback on everyday spending. It offers 5% cashback on bill payments and 4% on popular services like Swiggy and Zomato, plus 1.5% on other purchases. The card has a joining fee of ₹499, but it's waived if you spend over ₹10,000 in the first 45 days. Check out our full review to learn more!
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Before applying for a credit card in India, consider the following factors:
- Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
- Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
- Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
- Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
- Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
- Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
- Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
- Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
- Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
- Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
- Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.
How can I replace my damaged ACE credit card?
You can replace your card by using net banking, calling customer service, or visiting the nearest Axis Bank branch.
Is there a fuel cost waiver available with the Axis Bank ACE Credit Card?
Yes, you get a 1% fuel cost waiver at petrol stations across India.
How to contact Axis ACE credit card customer care?
You can reach customer care at:
- 1860-419-5555 for retail banking
- 1860-500-5555 for corporate banking
Does the Axis Bank ACE Credit Card offer a fuel surcharge waiver?
Yes, you get a 1% fuel surcharge waiver on fuel purchases in India.
Does Axis Bank offer discounts at restaurants like KFC?
Yes, you get discounts at partner restaurants including franchises like KFC, TGI Fridays, Tossin Pizza, and others.
Does the Axis ACE Credit Card offer cashback on all purchases?
No, some transactions like fuel purchases, EMI transactions, and wallet loading do not qualify for cashback.
What dining benefits does the Axis Bank ACE Credit Card provide?
You can get up to 20% off on dining bills at over 4,000 partner restaurants in India and discounts on food delivery apps.
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