Axis Bank ACE Credit Card

The key details of the ACE Axis Bank credit card are given in the table below:

Following are the key Axis ACE credit card benefits and features:

• 5% cashback on Utility bill payments (electricity, internet, gas and more), DTH and mobile recharges on Google Pay*
• 4% cashback on Swiggy, Zomato and Ola*
• 2% cashback on all other spends*
• 1% fuel surcharge waiver
• 4 complimentary lounge access per year
• Joining Fees : Rs. 499 /- only (Joining Fee reversed on spends of Rs. 10000 in frst 45 days of card issuance)
• Annual Fees: Rs 499 /- only (Annual Fee waived off on annual spends greater than Rs. 200000)

You can apply for an Axis Bank ACE credit card through MyMoneyMantra.

• You can apply now by clicking the "Apply Now" button.
• You will be redirected to the Axis Bank website.
• Choose "Yes" or "No" for existing or new Axis Bank customers.
• Submit the form with the required information.

• Joining fee: Rs. 499. Reversed on spending Rs. 10,000 within 45 days of card issuance.
• Annual fee: Rs. 499 from 2nd year onwards. Waived off on annual spends of more than Rs. 2 Lakhs.
• Cash payment fee: Rs. 100.
• Finance charges (for retail purchases & cash): 3.6% per month (52.86% per annum).
• Cash withdrawal fees: 2.5% (minimum Rs. 500) of the cash amount.
• Overdue penalty or Late payment fees: Up to Rs. 1,200, depending on the total payment due.
• Over limit penalty: 2.5% (minimum Rs. 500) of the over Axis Bank ACE credit card limit amount.
• Cheque return/dishonour fee/ auto-debit reversal: 2% of the payment amount (minimum Rs. 450 & maximum Rs. 1,519).
• Foreign currency transaction charges: 3.5% of the transaction value.
• Surcharge on purchase/ cancellation of railway tickets: As prescribed by IRCTC/Indian Railways.
• Card replacement fee: Nil.
• Mobile alerts for transactions: Free.
• Duplicate statement fee/ Charge slip retrieval fee or copy request fee/ Outstation cheque fee/ Balance enquiry charges: Waived.
• Reward Redemption fee: Nil.

*Taxes as per Government norms will be applicable for all above fees and charges.

Following is the detailed Axis Bank ACE credit card eligibility:

• Applicant can be a salaried person or a self-employed individual.
• The age of the primary cardholder should be between 18 and 70 years.
• The individual should be an Indian resident.

The Axis ACE credit card eligibility criteria mentioned above are only indicative, and the Axis Bank reserves the ultimate right to approve or reject applications for ACE Credit Card.

Unless there are case variations, the documents required to apply for an Axis Bank ACE Credit Card include a copy of the applicant’s PAN Card or Form 60, proof of residence and identity, a recent colour photograph and income proof (including latest payslip/ Form 16/ Income Tax Return copy).

Keep the following documents ready for ACE card Axis Bank application:

• Photocopy of PAN card 
• Recent colour photograph of the applicant
• Proof of income, such as latest payslip, bank statement, Form 16, and Income Tax Return copy 
• Proof of residence (any one of the following):
  • Passport
  • Aadhaar Card
  • Driving License
  • Voter ID Card
• Proof of identity (any one of the following):
  • Passport
  • Driving License
  • Voter ID Card
  • Aadhaar Card
  • PAN Card

*The list of documents given above is only indicative and documents required may vary on a case-to-case basis.