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Axis Bank

Axis Ace

VisaEntryCashback
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Annual Fee

₹499

Reward Type

Cashback

Forex

3.5%

Lounge

4 dom · 0 intl

Full Spec Sheet

Normalized · Verified

Fees

Joining Fee₹499
Annual Fee₹499(waived ≥ ₹2,00,000)
Min Monthly Income₹25,000

Rewards

Reward TypeCashback
Base Rate1.5%
Point Value₹1/point

Category Multipliers

gpay utility5%(cap ₹500)swiggy zomato4%(cap ₹500)ola4%(cap ₹500)

Redemption Values

statement credit₹1/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge4 visits/yr
Intl. LoungeNone
Lounge NetworkVisa
Lounge Spend Req.₹50,000 Quarterly

India-Specific

Fuel Surcharge✓ 1% waiver

⚖️ Breakeven Analysis

To recover the ₹499 annual fee at the base reward rate of 1.5%, you need to spend ₹33,267 annually.

🎯 Pro Tips

  • ▸Best for utility bill payments via GPay (5% cashback).

🏷️ Best For

cashbackutilitiesdining