Does the Axis Ace Credit Card provide complimentary access to airport lounges?

Yes, Axis Bank Ace credit cardholders can avail up to 4 complimentary accesses to domestic airport lounges per year. However, this benefit is only available on spending a minimum of ₹50,000 over the past 3 months.

Do I need to pay any joining fee when applying for the Axis Bank ACE Credit Card?

Yes, there is a joining fee of ₹499 for the applicant. But it is waived if the applicant spends ₹10,000 within 45 days of card activation.

Is the fuel surcharge waived on the Axis Bank ACE Credit Card?

The ACE Credit Card issued by Axis Bank offers a 1% fuel fee waiver at any petrol station throughout India.

What is the Axis Bank ACE Credit Card cashback limit?

It offers a combined monthly cashback cap of ₹500 across the 5% and 4% cashback categories.

What documents are needed to apply for an Axis Bank ACE Credit Card?

You will need to submit a photocopy of your PAN card, a recent colour photograph, your latest payslip if you are salaried, or an IT return copy if you are self-employed, along with valid address and identity proofs.

Axis Bank ACE Credit Card: Benefits, Fees and How to Apply

Name: Axis Bank ACE Credit Card: Benefits, Fees and How to Apply
Brand: Credit Card
Rating: 4.8 (14681 reviews)

Love ordering from Swiggy, Zomato, or booking rides on Ola, and want to earn rewards every time? Or, you want a card in your wallet that brings a chance to taste all the mouth-watering cuisines across India and offers complimentary airport lounge access per year?

The Axis Bank ACE Credit Card brings all these perks together in one smart, value-packed choice. With 4000+ restaurant partnerships and 4 free lounge visits, this card is not only perfect for foodies and travellers, but also for savvy spenders alike.

Axis Bank ACE Credit Card Benefits

Cashback Benefits:

5% cashback benefits in utility bill payments (gas, internet, electricity and mobile recharges via Google Play).
4% cashback offer on platforms like Ola, Zomato and Swiggy.
1.5% cashback availability on other credit card purchases.

Lounge Access

4 free airport lounge access per year at certain domestic airports.

Dining Delights

Enjoy up to a 15% discount at over 4,000 partner restaurants across India.

EMI Conversion

Get chances to convert transactions of ₹2,500 or more into EMI.

Fuel Surcharge Waiver

1% fuel surcharge waiver on purchases made at any fuel station across the country. Valid on fuel purchases ranging from ₹400 to ₹4,000, with a maximum benefit of ₹500 per statement cycle.

Looking for a card that packs in even more thrilling lifestyle benefits? You can also apply for a lifetime free credit card from Stable Money. It offers a 100% fuel surcharge waiver, 8 domestic and 2 international airport lounge visits per year, gym membership and more.

Axis Bank ACE Credit Card Fees

Particulars	Charges
Joining Fee	₹499 (It is waived if you spend ₹10,000 within 45 days of getting the card)
Over-limit Fee	Exceeding the Axis Bank ACE credit card limit will attract an over-limit fee of 2.5%, subject to a minimum of ₹500.
Cash Payment fee	₹175
Utility Transaction Fee	1% fee is applicable on the cumulative expenditure of ₹25,000 or more on utility bill payment per billing cycle
Mobile Alerts for Transactions	Free
Finance Charges	3.4% each month
Late Payment Fees	Nil for the amount due is up to ₹500 ₹500 for the amount due is between ₹501 - ₹5,000 ₹750 for the amount due is between ₹5,001 - ₹10,000 ₹1200 for the amount due is for amounts ₹10,001 and above
Dynamic Currency Conversion	1.5% on each global transaction
Rent Transaction Fee	1% capped at ₹1,500 on each rental transaction. GST will be charged.
Railway Ticket Cancellation Fee	As mentioned by IRCTC
Reward Redemption Fee	No
Card Replacement Fee	Nil
Education Transaction Fee	1% charges per transaction on education payments made through a third-party platform

Axis Bank ACE Credit Card Application Process

Step 1: Visit the official <a href="https://www.axisbank.com/" target="_blank" rel="nofollow">Axis Bank webpage</a>.
Step 2: Find the ‘Explore Products’ button. Click on it to get a drop-down list.
Step 3: Select ‘Cards’> ‘Credit Cards’> ‘Axis Bank ACE Credit Card’.
Step 4: Click on ‘Apply Now’.
Step 5: Fill in the details accurately, including mobile number, annual income, date of birth, PAN, and lastly, enter the captcha to proceed.
Step 6: If there is any doubt, raise a ticket and discuss the issue with the customer service team.
Step 7: After submitting the form diligently, wait for further processing.

For the offline process, simply visit your nearest Axis Bank branch with the required documents. A bank representative will guide you through the process of applying for this credit card.

Eligibility Criteria of Axis Bank ACE Credit Card

To apply for the Axis Bank ACE Credit Card, the primary cardholder should be:

Should be between 18 and 70 years old
A resident of India
Salaried or self-employed

Value Chart of Axis Bank ACE Credit Card

Particulars	Annual Spends (₹)	Cashback (₹)	Discount/Benefits (₹)
Payment of utility bills, mobile recharge via Google Play (5%)+ Ola cab booking (4%)+ Swiggy and Zomato usage (4%)	1,50,000 (approx 12,500 per month)	6,000
Airport lounge visits			4,000
Fuel surcharge waiver	24,000		240
Joining fee reversal			499
Annual charges waiver			499
Dining delights	40,000	600(1.5% CB)	6,000
Other spends	66,000
Total annual credit card purchase	2,80,000	7,590	11,238
Total annual benefits			18,828 (approximately 6.72%)

The Axis Bank ACE Credit Card delivers standout lifestyle perks with annual benefits worth around ₹20,000. Enjoy high cashback rates on bill payments and food delivery, complimentary airport lounge access, dining discounts, and more.

If you prefer a secured credit card, Stable Money’s RuPay Credit Card is a strong choice. It offers a 0.5% cashback, 8.40% fixed deposit return, lifetime free usage with no annual fees, and broad UPI compatibility.