Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Axis Bank ACE Credit Card

    If you are looking for a credit card which offers cashback on your spend, then you can opt for the Axis Bank ACE Credit Card. This credit card provides you with a host of benefits including 5% cashback on the payment of bills and phone, DTH, or other recharges through Google Pay and 2-4% cashback on other types of spends. You can apply for this credit card by visiting Axis Bank’s official website.

    Some of the reasons why it is a good option to apply for Axis Bank ACE Credit Card are:

    • Unlimited cashback
    • Complimentary access to domestic airport lounges
    • Discounts on dining at the bank’s partner restaurants in India
    • Fuel Surcharge Waiver

    Features and Benefits of Axis Bank ACE Credit Card

    Given below are the features and benefits of Axis Bank ACE Credit Card:

    • Unlimited cashback for every spend

      You will be able to enjoy cashback as per the scheme where on paying your bills or getting a recharge done, a certain sum of money will be credited to your credit card account.

    • Complimentary access to domestic airport lounges

      You will also be able to enjoy the privilege of up to 4 complimentary accesses to domestic airport lounges in a calendar year upon using the Axis Bank ACE Credit Card.

    • Fuel Surcharge Waiver

      Save big with 1% fuel surcharge waiver if you pay through your ACE Credit Card in any fuel station in India. The fuel surcharge waiver will be applicable for transaction amounts between Rs.400 and Rs.4,000 where the maximum benefit you will be able to avail on a monthly basis is up to Rs.500.

    • Dining Delights

      Unlock up to 20% discount on your dining bills if paid through the ACE Credit Card, applicable at more than 4,000 partner restaurants in India.

    Eligibility Criteria

    The eligibility criteria for the application of Axis Bank ACE Credit Card are given below:

    • You should be a resident of India.
    • You must be aged between 18 years and 70 years.

    Documents to be submitted

    Given below are the documents you will have to submit while applying for Axis Bank ACE Credit Card:

    Category Documents to be submitted
    Proof of residence You can submit any one of the following documents:
    • Driving License
    • Passport
    • Aadhaar Card
    • Voter ID Card
    Proof of address You can submit any one of the following documents:
    • PAN Card
    • Aadhaar Card
    • Driving License
    • Passport
    • Voter ID Card
    Other documents
    • Photocopy of your PAN Card
    • A colour photograph
    • Bank statement, latest pay slip, Form 16, or IT return as proof of income

    Fees and Charges

    Description Charges
    Joining Fee
    • Rs.499
    • The joining fee will be reversed if you spend Rs.10,000 within 45 days from the date of the issuance of the credit card.
    • No joining fees will be charged for applications received till 31 December 2020.
    Annual Fee
    • Rs.499, 2nd year onwards
    • The annual fee will be waived off if you spend more than Rs.2 lakh annually
    Add-on Card- Joining and Annual NIL
    Fee charged for replacement of card Waived off
    Cash payment fee Rs.100
    Fee for duplicate statement Waived off
    Copy request fee Waived off
    Outstation cheque fee Waived off
    Mobile alerts for transactions made Free
    Charges for balance enquiry Waived off
    Finance charges 3.4% per month
    Fee for withdrawal of cash 2.5% of the cash amount subject to a minimum amount of Rs.500
    Late payment fees
    • Nil if total amount due is up to Rs.100
    • Rs.100 if total amount due is between Rs.101 - Rs.300
    • Rs.300 if total amount due is between Rs.301 - Rs.1,000
    • Rs.500 if total amount due is between Rs.1,001 - Rs.5,000
    • Rs.600 if total amount due is between Rs.5,001 - Rs.10,000
    • Rs.700 if total amount due is Rs.10,001 and above
    Over limit penalty 3% of the over limit amount subject to a minimum amount of Rs.500
    Cheque dishonor or return, or auto-debit reversal 2% of the amount subject to a minimum of Rs.450
    Surcharge on purchase or cancellation of railway tickets As prescribed by IRCTC
    Fee for foreign currency transaction 3.5% of the total amount transacted

    Value Chart

    Details Annual spends (in Rs.) Cashback (in Rs.) Discount or benefits (in Rs.)
    Payment of utility bills and recharge through Google Pay 30,000 1,500 Nil
    Online food delivery through Swiggy and Zomato 36,000 1,440 Nil
    Ride sharing through Ola 24,000 960 Nil
    Other spends made using ACE Credit Card 66,000 1,320 Nil
    Visits to airport lounge Nil Nil 4,000
    Spends on purchasing fuel 24,000 Nil 240
    Dining spends 24,000 480 6,000
    Reversal of the joining fee Nil Nil 499
    Waiver of the annual fee Nil Nil 499
    Total annual spends 2,04,000 5,700 11,238
    Total annual benefits - - 16,938 at 8.3%

    How to apply for Axis Bank ACE Credit Card

    Online

    Given below are the steps you will have to follow to apply for Axis Bank ACE Credit Card

    • Visit Axis Bank’s official website.
    • On the menu bar, click on ‘Explore Products’, under which click on ‘Cards’, followed by ‘Credit Cards’.
    • Find ‘Axis Bank ACE Credit Card’ from the list and click on ‘Explore More’ if you wish to find more about the card’, otherwise you can click on the option ‘Apply Now’.
    • On clicking on ‘Apply Now’, a new page will open.
    • There under ‘Click to Connect’, choose whether you are an existing customer or a new customer and provide your details such as your name, state, and city in which you reside, mobile number, your monthly income, and professional details.
    • Click on the box where you authorize the bank’s representative to get in touch with you regarding your application for the credit card.
    • Click on ‘Call Me’. A representative from the bank will get in touch with you and will assist you with the process of applying for the credit card.

    Offline

    You can visit the nearest Axis Bank branch along with all the necessary documents. A representative from the bank will help you with the process of applying for the Axis Bank ACE Credit Card.

    FAQs

    1. I am a Non-Resident Indian (NRI). Can I apply for Ace Credit Card?

      This credit card is for those who are residents of India. If you are not a resident of India then you are not eligible for Ace Credit Card.

    2. I have lost my credit card. What should I do?

      In case you lose your credit card, you must immediately contact the Axis credit card customer care and ask for your card to be blocked.

    3. How can I get my damaged credit card replaced?

      You can get your credit card replaced via net banking. You can also contact the bank’s customer care executive and request for a replacement of your credit card. You can also visit the nearest Axis Bank to get your credit card replaced.

    4. Is there any joining fee I will have to pay on applying for Ace Credit Card?

      There will be no joining fee charged for applications received until 28 February 2021. However, applications received after the aforementioned date, a joining fee of Rs.499 will be chargeable.

    5. Will I get any cashback on paying bills through Google Pay?

      You will receive 5% cashback on paying bills through Google Pay using your Ace Credit Card.

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