Axis Bank ACE Credit Card 2025 – 5% Cashback on Bill Payments and Recharges | Apply Online
Best cashback card for bill payments with Google Pay rewards
Key Features & Benefits
5% Google Pay Cashback
Earn 5% cashback on Google Pay transactions up to ₹100 per month
2% Utility Cashback
Get 2% cashback on utility bill payments
2% Entertainment
Earn 2% cashback on Swiggy, Zomato, and BookMyShow
1.5% Base Cashback
Get 1.5% cashback on all other spends
Welcome Bonus
₹500 cashback on first transaction within 45 days
No Fee First Year
Zero annual fee for the first year
Cashback Structure
| Category | Cashback Rate | Monthly Cap |
|---|---|---|
| Google Pay Transactions | 5% | ₹100 per month |
| Utility Bills | 2% | ₹200 per month |
| Swiggy, Zomato, BookMyShow | 2% | ₹200 per month |
| All Other Spends | 1.5% | No cap |
Cashback Credit: Monthly on statement
Minimum Cashback: No minimum limit
Cashback Validity: No expiry
Fees & Charges
Eligibility Criteria
Requirements
- Age: 18-65 years
- Minimum Income: ₹15,000 per month (Salaried)
- Minimum Income: ₹1,80,000 per annum (Self-employed)
- Credit Score: 650+ (preferred)
- Good credit history
- Active Google Pay usage preferred
Required Documents
- Identity Proof (Aadhaar/PAN/Passport)
- Address Proof (recent utility bill)
- Income Proof (Latest 2-3 salary slips)
- Bank Statements (3 months)
- Form 16/ITR (if applicable)
- Employment certificate
Pros & Cons
✓ Pros
- High cashback rate on Google Pay (5%)
- Good base cashback rate (1.5%)
- First year annual fee waived
- Instant cashback credit
- No minimum redemption
- Great for digital payments
- Low income requirements
✗ Cons
- Low monthly caps on bonus categories
- Limited to specific merchants for 2% cashback
- No airport lounge access
- Basic insurance coverage
- Annual fee applies from second year
- Limited premium benefits
Apply for Axis ACE Credit Card
Perfect For
- ✓ Google Pay users
- ✓ Digital payment enthusiasts
- ✓ Utility bill payers
- ✓ Food delivery app users
- ✓ Young professionals
Quick Application
Frequently Asked Questions
How to apply for Axis Bank ACE Credit Card?
You can apply online through the Axis Bank official website or visit the nearest Axis Bank branch with required documents including income proof and identity verification.
What is the minimum income requirement for ACE Credit Card?
The minimum income requirement is ₹3,00,000 per annum for salaried individuals and ₹6,00,000 for self-employed individuals.
What are the cashback benefits on ACE Credit Card?
Get 5% cashback on bill payments via Google Pay, 4% on Swiggy/Zomato orders, and 2% on other online transactions with monthly caps.
Is there an annual fee for Axis Bank ACE Credit Card?
Yes, the annual fee is ₹499 plus applicable taxes. The fee is waived off on spending ₹2,00,000 or more in the previous year.