High-yield everyday cashback card offering 5% on Google Pay bills, 4% on Swiggy/Zomato/Ola, and 1.5% base.
Utility Bill Payers, Google Pay Users & Everyday Dining, Grocery and Cab Spenders
₹499
One-time upfront₹499
Waived on ₹2 lakh annual spend5% on Google Pay bills, 4% on Swiggy/Zomato/Ola, 1.5% elsewhere
On eligible spends1 Domestic visits/quarter · ₹50k quarterly spend required
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Axis Bank ACE Credit Card is widely regarded as one of India's most rewarding entry-level credit cards for household utility bills and urban daily conveniences. Through its integration with Google Pay on Android, cardholders earn an exceptional 5% cashback on electricity, water, gas, broadband, and mobile recharges. Food delivery and local transit on Swiggy, Zomato, and Ola earn a competitive 4% cashback. All other eligible retail spends earn 1.5% flat cashback without an upper cap (revised from the original 2% in recent bankwide portfolio adjustments). Cashback is credited automatically to your monthly credit card statement, making it completely hands-off with no reward catalog or redemption charges. Key caveats to monitor: The 5% and 4% accelerated cashback categories share a combined monthly cap of ₹500 per billing cycle. In addition, the 5% utility tier is strictly available when paid via Google Pay (Android users enjoy native seamless payment; iOS users face friction as Google Pay on iOS does not support in-app utility biller integration). Domestic lounge access includes 4 complimentary visits annually, but requires meeting Axis Bank's spend condition (spending at least ₹50,000 in the previous 3 calendar months). Who should consider it: Android users and urban households spending ₹5,000 to ₹15,000 monthly on utility bills, food delivery, and daily transport who want dependable, automatic monthly statement credits. Who should look elsewhere: iPhone users unable to access Google Pay utility billers, or high online retail spenders who prefer the broader merchant reach of Cashback SBI.
5% cashback on paying bills & on mobile recharges via GPay and 4% cashback on Swiggy, Ola, and Zomato, with a combined capping of Rs. 500 cashback per month. 1.5% cashback elsewhere on other merchants.
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Google Pay Bill Pay & DTH | 5% cashback on utility/DTH payments via Google Pay, max ₹500/month combined with 4% categories | 500/mo | Standard terms apply |
| Swiggy, Zomato, Ola | 4% cashback, max ₹500/month combined with 5% categories | 500/mo | Standard terms apply |
| All Other Spends | 1.5% unlimited flat cashback on all other eligible retail transactions | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Google Pay Bill Pay & DTH | ₹6,000 | 5% cashback on utility/DTH payments via Google Pay, max ₹500/month combined with 4% categories | — | ₹500/monthly | Calculating... | Under cap |
| Swiggy, Zomato, Ola | ₹6,000 | 4% cashback, max ₹500/month combined with 5% categories | — | ₹500/monthly | Calculating... | Under cap |
| All Other Spends | ₹18,000 | 1.5% unlimited flat cashback on all other eligible retail transactions | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fee Structure: ₹499 + GST joining fee and ₹499 + GST annual renewal fee. The renewal fee is reversed on spending ₹2,00,000 or more in the preceding card year. Accelerated Cashback: 5% cashback on utility bill payments (electricity, piped gas, water, broadband) and DTH/mobile recharges made via Google Pay on Android. 4% cashback on Swiggy, Zomato, and Ola. The 5% and 4% tiers share a combined monthly cap of ₹500 per billing cycle. Base Cashback: 1.5% flat cashback on all other eligible retail and online transactions, with no maximum ceiling. Credit Process: Cashback is calculated on settled transactions and automatically credited directly to the next month's card statement balance. Domestic Lounge Access: 4 complimentary domestic airport lounge visits per calendar year (1 per quarter), subject to spending a minimum of ₹50,000 in the previous 3 calendar months. Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹500 per statement cycle. Fuel spends do not earn cashback. Exclusions: Zero cashback on fuel, wallet loads, rent payments, educational services, insurance premiums, government institutions, and EMI transactions.
Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Axis Bank ACE Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Axis Bank portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
Apple Pay launched in India on September 30, 2026. Axis Bank-issued Visa and Mastercard credit cards are supported at launch. Here's how it works and which cards are eligible.
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