| Feature | Axis ACE Credit Card |
|---|---|
| Card Image |
|
| Bank | Axis Bank |
| Annual Fee | 💳 ₹499 + GST (offer based waiver possible) |
| Interest Rate | 📈 ~3.6% per month (~42% APR) |
| Forex Markup | 🌎 3.5% |
| Lounge Access | ❌ No lounge access |
| Fuel Surcharge Waiver | ⛽ 1% waiver up to ₹500/month |
| Reward Type | 💵 Cashback — direct statement credit auto-credit monthly |
| Joining Bonus | 🎁 None (occasionally promo based) |
| Milestone Benefit | 🎯 None |
| Billing Cycle Benefits | 🔁 Cashback auto-credited to statement |
| Who It’s Best For | or 👨💻 Bill payers, Swiggy/Zomato users, beginners |
| Benefits / Rewards |
|
| Apply | Apply Now |
FAQs about these cards
What cashback can I earn?
5% on Google Pay and 4% on food apps.
Is it free?
Fee waived if you spend ₹2 lakh yearly.
Lounge access?
Yes, 4 visits yearly.
Good for online use?
Yes, very high cashback rates.
Which Axis card is best for cashback?
Axis ACE Credit Card (5% cashback on Google Pay bills).
Which is for luxury travel?
Axis Magnus Card offers 12 airport lounge visits and EDGE rewards.
Do Axis cards have joining fees?
Some premium cards do, with vouchers on activation.
Is there a lifetime-free option?
Axis Neo Credit Card is lifetime-free with shopping offers.
Which bank offers the best overall credit card in India?
HDFC, ICICI, and SBI dominate the market with feature-rich cards suited for every lifestyle.
Are bank-specific cards better than co-branded cards?
Bank-specific cards provide flexibility and consistent benefits across merchants, unlike limited co-branded offers.
Which bank offers the most reward points?
HDFC and Axis Bank are known for high reward multipliers on travel and shopping categories.
Can I hold multiple bank credit cards?
Yes, you can have cards from different banks, but managing timely payments is essential.
Which bank offers the best cashback card in India?
SBI Cashback and Axis ACE lead with up to 5% cashback.
Do cashback cards charge annual fees?
Many are lifetime-free or offer fee waivers based on annual spend.
Which cashback credit card gives the highest rewards?
Amazon Pay ICICI and Axis ACE offer consistent cashback with no capping on categories.
Do cashback cards offer fuel surcharge waivers?
Some cards like ICICI HPCL and Axis ACE include fuel benefits and waivers.
What is a shopping credit card?
A shopping credit card gives you rewards, cashback, or discounts on online and retail purchases.
Which are the best shopping credit cards in India?
Amazon Pay ICICI, Flipkart Axis Bank, and HDFC Millennia are among the best in 2025.
Do shopping cards work offline?
Yes, most cards offer points on in-store shopping as well as e-commerce platforms.
How can I maximize my shopping card rewards?
Always check partner offers and redeem points regularly for vouchers or cashback.