Skip to content
Tax Calculator
How to Apply for the Axis ACE Credit Card in 2026 cover illustration

Guide

How to Apply for the Axis ACE Credit Card in 2026

Renish Mithani's profile photo Renish Mithani
4 min read
Reviewed by Darshil Chauhan Last reviewed 13 October 2026 Data verified 13 October 2026
AxisAceCashbackBill Payments

The Axis Bank ACE Credit Card gives 5% cashback on utility bills and mobile recharges via Google Pay. It gives 4% on Swiggy, Zomato, and Ola. The combined monthly cap is ₹500. It gives 1.5% uncapped on other buys. It gives 1% fuel surcharge waiver. It suits urban users who want automatic cashback on regular monthly bills.

Why this matters

The Axis ACE is one of the few Indian cards offering 5% back on Google Pay utility bills. Paying ₹10,000 monthly in household bills (electricity, water, broadband, gas) earns the full ₹500 monthly credit (₹6,000 per year). The annual fee is just ₹499, waived on ₹2,00,000 annual spend. For households with recurring bills, this card delivers strong net value.

How to Apply for the Axis ACE Credit Card in 2026

How to apply Total time: 10 min · You’ll need: PAN, Aadhaar, Google Pay, mobile, salary slips or ITR

Apply for the Axis ACE Credit Card with 5% cashback on bill payments, cabs, and food delivery. Eligibility, benefits, and walkthrough:

  1. Check ACE eligibility — You must be 18–70 years old, a resident Indian, with a minimum annual income of ₹2,50,000 (salaried) or ₹3,00,000 (self-employed). A CIBIL score of 720+ is recommended.

  2. Apply online via Axis Bank website or Google Pay — Visit axis.bank.in → Cards → Credit Cards → ACE, or check the Credit Cards section within the Google Pay app. Click Apply Now.

  3. Complete the application — Provide your name (matching PAN), PAN, Aadhaar number, registered mobile number, email address, residential address, employment details, and income figures.

  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC verification or schedule Video KYC (V-KYC) with an Axis Bank executive.

  5. Submit and track — Submit the completed form. Note the 12-digit application reference number to track status via the Axis Bank mobile app or website. Approval typically takes 3–7 working days.

  6. Receive the card and activate — Upon approval, the physical card is delivered within 3–5 working days. Activate the card and generate your 4-digit PIN via the Axis Mobile app, Internet Banking, or any Axis Bank ATM.

  7. Link the card to Google Pay — Open Google Pay → Settings → Payment methods → Add credit/debit card → enter Axis ACE card details. The 5% cashback on Google Pay utility bill payments and recharges activates immediately.

  8. Transact on partner apps — Save your Axis ACE card on Swiggy, Zomato, and Ola to earn 4% accelerated cashback on food delivery and cab rides.

Common mistakes to avoid

The 5% utility cashback and 4% partner cashback share a combined ceiling of ₹500 per statement cycle. Utility payments made directly on discom websites or third-party platforms outside Google Pay do not earn 5%; they accrue the base 1.5% rate. Rent payments, wallet reloads, fuel, insurance, and education fees are strictly excluded from cashback accrual.

Pro tips

  • Set Axis ACE as the default payment instrument for all Google Pay electricity, gas, and broadband bills
  • Monitor the ₹500 combined monthly accelerated cashback ceiling in your statement
  • Pair with an e-commerce card (like Cashback SBI or Amazon Pay ICICI) for shopping outside utilities
  • Spend ₹2,00,000 annually across all categories to get the ₹499 renewal fee completely waived

Frequently asked questions

What are the joining and annual fees for Axis ACE?

The joining fee is ₹499 + GST. The annual renewal fee is ₹499 + GST from year 2. It is 100% waived if you spend ₹2,00,000 or more in the previous anniversary year.

What is the monthly cashback cap on Axis ACE?

The combined monthly cap is ₹500 per statement cycle. It covers both 5% Google Pay utility spends and 4% partner spends (Swiggy, Zomato, Ola). The 1.5% base cashback on other retail spends has no cap.

Does the 5% cashback apply to direct netbanking or discom website bill payments?

No. The 5% rate works only when you pay bills through the Google Pay app. Paying directly on merchant or discom websites earns the base 1.5% cashback.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

Share: X (Twitter) LinkedIn WhatsApp

← All guides