Axis ACE
Axis · Cashback · Visa
Annual Fee
₹499
Fee Waiver
₹2L annual spend
Lounge Access
4/year
Best Rate
5%
Network
Visa
✅ Data verified March 2026
Reward Rates by Category
💡Utilities
5%
🍽️Dining
4%
✈️Travel
1.5%
🛒Online Shopping
1.5%
🥦Groceries
1.5%
🎬Entertainment
1.5%
🛍️Shopping
1.5%
⛽Fuel
0%
How Points Work
5% bills (GPay), 4% Swiggy/Zomato/Ola, 1.5% all other · ₹500/mo cap on 5%+4% only · 1.5% base uncapped
🚀 Boosted Rates (Partners & SmartBuy)
Bill payments via Google Pay5%
Swiggy, Zomato, Ola4%
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
5% on bills via GPay4% Swiggy/Zomato4 lounge visits/yr₹500/mo cap on accelerated only
PROS
✅ 5% on utility bills (rare)
✅ 4% on food delivery
✅ 1.5% base is uncapped
✅ Lounge access at low fee
CONS
⚠️ ₹500/mo cap on 5%+4% categories
⚠️ After cap, accelerated → 0%
⚠️ Fuel excluded
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