Axis Bank Ace Credit Card Review

The axis bank ace credit card is unmatched when it comes to cash backs and usefulness. This is one of the most useful credit cards from Axis Bank that offers attractive perks like unlimited cashback, fuel surcharge waiver, free access to airport lounges, fuel surcharge waiver, Emi facility, etc. In fact, this card seems to have everything that is needed to make your every card swipe beneficial. This card is powered by Visa, and now let’s see if it can justify the Rs. 499 annual fee or not. Now let’s talk about the benefits of axis bank credit card in detail. 

What are the axis bank ace credit card eligibility criteria?

Axis bank has not declared the eligibility criteria of this card, but as per our experience, we can say that it should be like this.  

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 18 to 70 years. 
    • Income: The average income of the applicant should be Rs. 35,000 monthly. 
  • For self-employed person:
    • Age: The age of the applicant should be between 18 to 70 years. 
    • Income: The average monthly income of the applicant should be Rs. 40,000 monthly. 
  • A long relationship with the bank will help you to get this Axis bank ace credit card
  • An excellent credit score (above 760) is needed to apply for this axis bank ace credit card.

You can apply for this card from the online application portal, once your application is submitted successfully, you will get a unique application id. You can use this id to track your axis bank ace credit card application status.

What documents are required to apply for the axis bank ace card application?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

As per new credit card rules, all new Axis bank credit cards are delivered in an inactive state, and you have to activate axis bank credit card manually by generating a new axis 3d secure PIN. If you are interested to know how to activate axis bank ace credit card? then feel free to take a look at the 100xGain FAQ page

What are the axis bank ace credit card fees?

  • Axis bank ace credit card joining feeRs. 499 + GST
  • Axis bank ace credit card annual fee: Rs. 499 + GST

What are the axis bank ace credit card benefits?

  • Unlimited cashback on every transaction:

You can earn unlimited cashback on every transaction you make with this visa-verified axis bank card. The cashback is called unlimited because there is no upper limit on it. The details of Axis credit card cashback benefits are given in the table below.  

Category of transaction

Total benefit
Bill payment, mobile, and DTH recharge via Google pay.  5% cashback. 
Spends made on Ola, Zomato, and Swiggy.  4% cashback. 
All other spending made using this card (except on fuel purchase) 2% cashback. 
  • Enjoy free access to airport lounges:

Using this Axis Bank cash back credit card you can get access to most of the frontline domestic airline lounges. The Axis Bank Ace Credit Card users are entitled to a maximum of 4 free accesses per year. Click here for the list of participating airport lounges. 

  • Experience premium axis bank dining offers:

On this ace credit card axis bank offers a 20% discount on your dining bill at over 4000+ axis bank partner restaurants in India. That means now your evenings will be more delightful and the foods will be more delicious. 

You can check your total earned benefits from the monthly credit card statements. If you don’t know how to get axis bank credit card statement? Then feel free to take a look at the 100xGain FAQ page

  • Get freedom from fuel surcharge:

This Axis Bank ace credit card offers you a 1% waiver on fuel surcharges. This offer is applicable at most of the fuel stations in India. The transaction amount should between Rs. 400 to Rs. 4000 and you can earn a maximum of Rs. 500 waiver in an axis credit card billing cycle

  • Get an opportunity to make your card free for a lifetime:

On spending Rs. 10,000 within the first 45 days of card activation, you can get rid of the Rs. 499 joining free. Also, if you can spend Rs. 2,00,000 within a year you will get a complete waiver on your next year’s annual fee, and you will be able to enjoy the benefits of your axis bank credit card with no annual fee for a year.

  • Split your monthly bill into small installments:

Axis bank allows you to split your high-value purchases into small monthly installments. No matter how big your transaction amount is you can convert them into EMI. The minimum eligible transaction amount is Rs. 2,500. 

You should check your axis bank ace credit card limit before applying for EMI. To know what is the limit of axis bank ace credit card? make sure to log in to your net-banking account.

  • Experience a seamless and easy application process:

Axis bank offers a seamless application process for its customers. You can apply for the Axis Bank ace card from the Axis bank online application portal. But if you don’t have access to the online method then you can visit your nearby Axis branch and submit your axis bank credit card application form there. 

Both application methods (online and offline) take about 1 to 2 weeks for approval. During this period you can check the status of your application from the axis bank ace credit card application status tracking page

  • Convenient axis credit card bill payment options:

You can pay your axis credit card bill very easily from your net-banking account or by using any credit card payment app. But if you don’t have access to the axis card online payment options, then you can pay your credit card bill offline via Cheque, NEFT, or by visiting your nearby Axis branch. 

  • Transact more conveniently with the contactless payment technology:

This axis bank ace credit card features an advanced contactless payment facility. This feature allows you to make payments just by waving your card over any secure reader machine that accepts contactless payments. 

Due to security reasons, the credit card contactless transaction method is limited to Rs. 5000 per transaction. You can also set your own desired limit using your axis bank credit card app

What are the axis bank ace credit card charges?

Particulars 

Payable Amount

Axis bank credit card cash withdrawal charge. 2.5% against the withdrawn amount (min Rs. 500).
Ace axis bank credit card finance charges. The axis credit card interest rate is 3.6% monthly or 52.86% annually (applicable even if the axis bank credit card minimum payment due is paid in time)
What is axis bank ace credit card foreign currency conversion charge? 3.5% against the transaction amount.
Axis bank add on credit card fee. Not applicable.

As per the new rules, international transactions on all new credit cards are temporarily disabled. So if you are curious about how to get axis bank ace credit card activated for international transactions? then make sure to take a look at our faq page.

How to contact the axis bank credit card call center?

  • Call the customer care no of axis bank credit card: 1860-419-5555 /1860-500-5555 / 022-6798-7700 or 040-67174100
  • Write to the axis bank credit card customer care mail id: creditcards@axisbank.com 

100xGain Ratings: 

8/10

Pros and Cons:

Pros 

Cons

  • The ace axis bank credit card is very good at offering cash backs on everyday expenses.
  • It also gives you free access to most of the domestic airport lounges.
  • You will also get a huge discount on your dining bills.
  • There are no travel benefits on this axis bank ace credit card.
  • You will not get any movie-related benefits.

Final Opinion:

Axis Bank credit cards are best known for their usefulness, and this is true for this card. The most attractive axis bank ace credit card offer is the unlimited cashback offer. Making every transaction beneficial, this card offers up to 20% discount on dining, 1% waiver on fuel surcharges, free access to airport lounges, etc. which are more than enough to justify the Rs. 499 annual fee. 

Therefore if you are looking for premiums at an affordable rate, this card will be a solid choice for you. But if you are not satisfied with the benefits offered by this card, then you should compare the alternative card options given below.

Alternative Cards: ​​

  1. Axis Bank Signature Credit Card with lifestyle benefits (Best for reward points, lounge access, and dining benefits)
  2. HDFC Platinum Edge Credit Card (Best for reward points and dining benefits)
  3. HDFC Times Titanium Credit Card (Best for reward points, movie, and shopping benefits)

3 thoughts on “Axis Bank Ace Credit Card Review”

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: