Route spending through Official Axis ACE features/value chart snippets.
Earn 5.0× here — 5.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Mid-tier · Cashback
AXIS BANK · AXIS BANK ACE CREDIT CARD
Axis Bank ACE Credit Card
ANNUAL FEE
₹499 waived at ₹2L spend
FIRST-YEAR NET VALUE
₹33,750 for a mid spender · travel
AXIS BANK ACE
Updated 17 Sep 2026 5 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is Axis Bank's.
MONTHLY INCOME ₹0.3L+ Salaried or self-employed
CREDIT SCORE 720+ Good band
AGE 18 – 70 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹33,750 first-year net value · mid spender · travel
Category rewards ₹33,750
Annual fee − ₹499
Fee waiver (met)· Annual fee waived on annual spends greater than ₹2,00,000 ₹499
Net first-year value ₹33,750
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.50% back on eligible spends 1.5 pts per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 5.0% back
Official Axis ACE features/value chart snippets · 5.0%
Official Axis ACE value chart snippet · 4.0%
Official Axis ACE value chart snippet · 4.0%
Everything else (base) · 1.5%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time Axis Bank tweaks the program.
Line up your ₹2L before renewal.
Crossing ₹2L in the anniversary year waives the ₹499 fee — automatic for spenders at ₹16,667+/month. Watch your pace in months 10–12.
Don't sleep on Official Axis ACE value chart snippet.
The second tier earns 4.0× (4.0% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹499 · + 18% GST · one-time
Annual fee (year 2+) ₹499 · waived at ₹2L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
4 domestic visits per year. Primary cardholder.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹2L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How Axis Bank ACE Credit Card has changed.
Last verified 17 Sep 2026.
- 20 Jun 2025 Revised terms moved reward-earn and fee-waiver exclusions to spend-category based approach Clarified/standardized exclusion handling for cashback and annual fee waiver calculations
- 20 Dec 2024 Additional transaction fees updated for utility, wallet, fuel, education and gaming categories Higher cost on selected high-volume categories
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: Axis Bank ACE product page (official), Axis Bank ACE fees and charges page (official), Axis Bank ACE value chart page (official), Axis Bank ACE revised terms PDF (official), axis.bank.in. Next scheduled review: 17 Mar 2027.