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Axis Bank ACE Credit Card
91/100
Axis Bank
The undisputed bill payment powerhouse on Google Pay.
Credwiser Score 91/100

Axis Bank ACE Credit Card

Axis Bank • The undisputed bill payment powerhouse on Google Pay.

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Axis ACE gives a flat 5% cashback on utility bills paid via Google Pay (capped at ₹500/month) and 4% on Swiggy, Zomato, and Ola, making it a reliable household bill companion.

Annual Fee (+ 18% GST)₹499 (₹589 incl. GST)
Fee Waiver₹2,00,000 annual spend
Joining Perk₹500 statement cashback upon 1st spend within 45 days
Primary Reward5% on Google Pay Bill Payments + 4% on Swiggy/Zomato/Ola
Airport Lounge Access4 Domestic Lounge visits per year (spend-linked)
Forex Markup3.5% + 18% GST
RuPay UPINo
Best ForAndroid users paying electricity, water, DTH, and gas bills through Google Pay

What We Like

  • 5% cashback on utility bills via Google Pay
  • 4% on Swiggy, Zomato, and Ola rides
  • Auto-credited statement cashback

Watch Out

  • 5% utility cashback is exclusive to Android Google Pay users
  • Monthly utility cashback capped at ₹500

MITC & Hidden Charges

Annual fee ₹499 + 18% GST. Fee waived on spending ₹2 Lakhs in previous year.

Axis Bank ACE Credit Card FAQs

Can iPhone users get 5% cashback on Axis ACE?

Google Pay on iOS does not support the utility bill payment engine in India, so 5% is only accessible via Android Google Pay.

Alternatives to Consider

Airtel Axis Bank Credit Card
94/100
Axis Bank
The undisputed heavyweight champion for utility bills and food apps.
Annual Fee₹500 + GST
Reward25% on Airtel DTH/Wi-Fi + 10% on Swiggy/Zomato/BigBasket
Lounge4 Domestic Lounge visits per calendar year (Spend-linked: ₹50k in prev quarter)
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SBI Cashback Credit Card
95/100
SBI Card
The ultimate zero-hassle online shopping card in India.
Annual Fee₹999 + GST
Reward5% Flat Cashback on online merchant spends
LoungeNo complimentary lounge access
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