ACE Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: Axis Bank
Network: Visa | Tier: Entry
The ACE Credit Card is an Entry Visa credit card issued by Axis Bank, best suited for utility users. It carries a joining fee of ₹499, with an interest rate of 3.6% per month. Key benefits include 5% utility cashback via Google Pay (capped at ₹500/month), 4% on Swiggy/Zomato/Ola, 1.5% other spends, 5% cashback on utility bill payments via Google Pay (capped at ₹500/month combined with 4% categories); 4% cashback on Swiggy, Zomato, and Ola; 1.5% on other spends, and 4 complimentary domestic airport lounge visits per year (subject to spending ₹50,000 in preceding 3 calendar months). On fees — Lounge access: 4 complimentary domestic airport lounge visits per year (subject to spending ₹50,000 in preceding 3 calendar months); Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹2,50,000/year to qualify. It falls under the Entry-level, Travel, Shopping, and Fuel category on CreditCardHunt.
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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% cashback on utility bill payments via Google Pay (capped at ₹500/month combined with 4% categories); 4% cashback on Swiggy, Zomato, and Ola; 1.5% on other spends 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% cashback on utility bill payments via Google Pay (capped at ₹500/month combined with 4% categories); 4% cashback on Swiggy, Zomato, and Ola; 1.5% on other spends |
|---|---|
| Welcome Bonus | None |
| Lounge Access | 4 complimentary domestic airport lounge visits per year (subject to spending ₹50,000 in preceding 3 calendar months) |
| Best For | Utility users |
Key Highlights of the ACE Credit Card
- 5% utility cashback via Google Pay (capped at ₹500/month), 4% on Swiggy/Zomato/Ola, 1.5% other spends
- 5% cashback on utility bill payments via Google Pay (capped at ₹500/month combined with 4% categories); 4% cashback on Swiggy, Zomato, and Ola; 1.5% on other spends
- 4 complimentary domestic airport lounge visits per year (subject to spending ₹50,000 in preceding 3 calendar months)
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 — a highlight among Axis Bank's entry lineup.
Drawbacks of the ACE Credit Card
- Limited travel may not suit every applicant.
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?
Yes — the ACE Credit Card offers 4 complimentary domestic airport lounge visits per year (subject to spending ₹50,000 in preceding 3 calendar months).
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% cashback on utility bill payments via Google Pay (capped at ₹500/month combined with 4% categories); 4% cashback on Swiggy, Zomato, and Ola; 1.5% on other spends. 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 SBI Card — 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
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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- Read our credit card guides & FAQ.
Expert Rating: 4.6/5