ACE Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: Axis Bank
Network: Visa | Tier: Entry
5% utility cashback
Why Choose the ACE Credit Card?
The ACE Credit Card is a Entry-tier Visa credit card issued by Axis Bank, rated 4.6/5 by the Credit Card Hunt editorial team. It is best suited for Utility users. With a reward rate of 5% GPay cashback and an annual fee of ₹499, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year and helps recover the ₹499 joining fee.
ACE Credit Card Fees & Charges
| Annual Fee | ₹499 |
|---|---|
| Joining Fee | ₹499 |
| Interest Rate | 3.6% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
ACE Credit Card Rewards & Benefits
| Reward Rate | 5% GPay cashback |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Utility users |
Key Highlights of the ACE Credit Card
- 5% utility cashback
- 5% GPay cashback
ACE Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹2
- 50
- 000/year
Minimum Income Required: ₹2,50,000/year
Advantages of the ACE Credit Card
- Utility cashback
Drawbacks of the ACE Credit Card
- Limited travel
ACE Credit Card — Frequently Asked Questions
What is the annual fee of the ACE Credit Card?
The ACE Credit Card has an annual fee of ₹499 and a joining fee of ₹499. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the ACE Credit Card offer airport lounge access?
No, the ACE Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the ACE Credit Card?
The minimum income requirement is ₹2,50,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the ACE Credit Card?
The ACE Credit Card earns 5% GPay cashback. It is best suited for Utility users.
Credit Cards Similar to the ACE Credit Card
If you are considering the ACE Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card (Visa) by State Bank of India (SBI) — rated 4.7/5, ₹999 annual fee
- IDFC FIRST Select Credit Card by IDFC First Bank — rated 4.5/5, NIL annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
- IDFC FIRST Millennia Credit Card by IDFC First Bank — rated 4.4/5, NIL annual fee
Expert Rating: 4.6/5