Axis Bank ACE Credit Card
Verified Official Data • Last updated 2026-07
Net Value Calculator
Drag sliders to estimate this card's annual value based on your actual spending habits.
Cashback mode values points as statement credit. Travel / airmiles mode uses the card's travel redemption value, so it only changes points cards; cashback cards stay the same.
Your monthly spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
Axis Bank ACE Credit Card
Fee waived at your spend
Savings & Milestones Tracker
1.85%
Value Yield (Net / Spent)
₹11,070
Annual Net Value
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Key Specifications
₹499
₹499
₹200000
3.5%
Rewards Structure
Earn rates and reward configurations verified for 2026.
Applies to all non-excluded offline/misc categories
Category Earn Rates
Utility bill payments (electricity, internet, gas) & DTH/mobile recharges on Google Pay only. Cap of ₹500/month is shared across all accelerated categories.
Online food delivery via Swiggy & Zomato only. Monthly cap shared with utilities & ride sharing.
Ola ride sharing only. Monthly cap shared with utilities & dining.
Fuel earns 0% cashback (surcharge waiver only). Rent: 1% fee per transaction, excluded from cashback. Insurance, jewelry, wallet loads, government, education transactions excluded per standard Axis Bank SOSC.
Lounge Access
Additional Perks
Redemption & Expiry
Eligibility Requirements
Exclusion Honesty: This data has been verified against official bank publications. We include exclusions and point valuation friction factors to render honest net metrics in our calculations.
Official Specification Sheet
Comprehensive rules, fees, and parameters verified directly against issuer details.
| Feature | Axis Bank ACE Credit CardAxis Bank |
|---|---|
| Joining fee | ₹499 |
| Annual fee | ₹499/yr |
| Fee waiver | Spend ₹2,00,000/yr |
| Base reward | 1.5% cashback |
| Top reward categories | 5% utilities, 4% dining, 4% travel |
| Redemption friction | Auto credit |
| Point expiry | Never expire |
| Lounge access | 4 dom · 0 intl⚠ 4 complimentary visits per calendar year at select domestic airports. |
| Forex markup | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹500/mo |
| Min income · salaried | Not stated |
| Min income · self-employed | Not stated |
| Eligibility (as stated) | Not specified (bank discretion) |
| Recent devaluations | None recorded |
| Verified against |
Detailed Axis Bank ACE Credit Card Credit Card Review & Spends Guide (2026)
The Axis Bank ACE Credit Card by Axis Bank is a prominent credit card in the Indian market, categorized under the entry tier. Offering a base rewards engine of 1.5% cashback, this card targets users looking to optimize their personal finances.
When evaluating the real-world value of the Axis Bank ACE Credit Card, it's essential to look beyond the joining fee of ₹499 and annual fee of ₹499. With our real-time calculator above, you can map out your monthly category spends (online shopping, dining, travel, utilities, groceries, etc.) to see if you can trigger the spend-based annual fee waiver of ₹200000, which determines your true Net Annual Value (NTV).
Rewards Potential & Category Multipliers
For accelerated spenders, the Axis Bank ACE Credit Card features key reward multipliers:
- 5% on utilities spends (capped at ₹500/month).
- 4% on dining spends (capped at ₹500/month).
- 4% on travel spends (capped at ₹500/month).
- Exclusions: No rewards are earned on fuel, rent, insurance categories.
Lounge Access & Extra Perks
Perks add immense value that calculations often leave out. The Axis Bank ACE Credit Card offers:
- Domestic Lounges: 4 visits/year
- International Lounges: No international lounge visits available.
- Lounge Condition: 4 complimentary visits per calendar year at select domestic airports.
Points Redemption and Point Expiry
Earning points is only half the battle. Redemptions are subject to a friction index of 1/5 (representing Auto statement credit (1/5 friction)). Note: Cashback auto-credited to card statement in next billing cycle.. Points are valid for a lifetime (no expiry).