Cards · Axis Bank

Axis Bank ACE Credit Card: rewards, caps and exclusions

The Axis Bank ACE Credit Card pays 5% on Bill payments, DTH, mobile recharge — via Google Pay only, on the first ₹10,000 of spend a cycle, and 1.5% on everything else. Below is every rate, cap and exclusion in Axis Bank's published terms, as we last checked them on 16 July 2026.

Visa₹499 a yearPaid in cashback

What it earns

5%Bill payments, DTH, mobile recharge — via Google Pay onlyon the first ₹10,000 of spend a cycle

4%Swiggyon the first ₹12,500 of spend a cycle

1.5%Everything elseno cap stated

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Utility bills
Telecom bills
Fuel
Jewellery
Insurance premiums
Rent
Wallet loads
Education fees
Government payments
Cash withdrawals and fees

Fees

Annual fee: ₹499, plus 18% GST
Annual fee waived on ₹2,00,000 of spend in a card year

Where this comes from

Transcribed from Axis Bank's own documents and checked against them on 16 July 2026:

axis.bank.in (PDF)

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Axis Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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