Axis ACE Credit Card Review (2026)
One of the best entry-level cashback cards in India. 5% on bill payments, 4% on food delivery, and 2% flat on everything else.
Last updated: 2026-03-18· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹499 |
| Joining Fee | ₹499 |
| Fee Waiver | Spend 2L in a year |
| Income Required | ₹3L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: Cashback
Our Review
The ACE is arguably the best entry-level credit card in India right now. The 2% flat cashback on ALL spends is hard to beat at this price point. The 5% on bill payments is unique — if you route your electricity, phone, and broadband bills through Google Pay using this card, you're effectively getting 5% off your utility bills. The 500/month cap limits this to about 10K in bill payments. The smart move: use ACE for bills and everyday spending, and pair it with a category-specific card (Flipkart or Amazon ICICI) for online shopping.
Pros & Cons
Pros
- + 5% cashback on bill payments through Google Pay/PhonePe — unique benefit
- + 2% flat cashback on all other spends — among the best base rates for entry cards
- + 4% on food delivery and cabs
- + Low fee with easy waiver
Cons
- - 5% bill payment cashback capped at 500/month
- - No lounge access
- - Cashback is credited as statement credit
- - 2% base rate can change — Axis has revised cashback structures before
Best For
Compare Axis ACE Credit Card
Frequently Asked Questions
Is the Axis ACE Credit Card worth it in 2026?
It depends on your spending. The Axis ACE Credit Card costs ₹499/year (waiver: Spend 2L in a year). With an effective base return of 0.7%, you'd need to spend approximately ₹71,286 per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the Axis ACE Credit Card annual fee?
The Axis ACE Credit Card has an annual fee of ₹499. Joining fee is also ₹499. Fee waiver: Spend 2L in a year.
What is the minimum salary required for Axis ACE Credit Card?
The minimum annual income required for the Axis ACE Credit Card is ₹3L. However, if you have an existing banking relationship with Axis Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on Axis Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.