Axis Bank

Axis Bank Ace Credit Card

Axis Bank launches Ace Credit with Google Pay tie-up to provide 2-5% cashback on all transactions. There are times when you might need cash or money in any form to fulfill your instant needs. In such a situation, when you have a credit card, you are less worried as you are already aware of how …

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Axis Bank launches Ace Credit with Google Pay tie-up to provide 2-5% cashback on all transactions.

Axis Bank Ace Card Quick Look

There are times when you might need cash or money in any form to fulfill your instant needs. In such a situation, when you have a credit card, you are less worried as you are already aware of how it can help you.

Though it is also similar to taking a loan from the bank, you have the discretion to decide how much to spend so that you can easily repay, right? Well, if you are among those who are more often into spending through credit cards, the Axis Bank ACE credit card is for you.

Axis Bank Ace Credit Card that not only gives you an opportunity to spend whenever you want to but also offers you a cashback on the expenditure you make. Isn’t that great?

Well, of course, it is, when you only get cards that charge you interests. With Axis Bank ACE credit card, which is available at an annual fee of Rs. 499, life becomes easy as managing expenses is more convenient with lenient cashback.

Why should you go for Axis Ace Credit Card?

The Axis Bank ACE credit cards make spending worry-free by promising cashback every time you use it. Whether you buy clothes and accessories using this card or you pay your electricity or phone bills, this card has a cashback to offer to its customers.

For bill payments through Google Pay, the ACE card provides 5% cashback while for other purchases; you will be eligible for 2-4% cashback.

Apart from the aforementioned reasons, there are other factors too that you might come across while reading an Axis Bank ACE credit card review to convince you how having this card is a good idea for you all. Some of them include:

  • Cashback for as many transactions you make using this credit card.
  • The cardholders get complimentary access to lounges at domestic airports.
  • Fuel surcharge waiver is an added advantage.
  • If you are opting for dinner at Axis Bank’s partner restaurants in India, you will be eligible for huge discounts as the Axis ACE card user.

The above-mentioned luring and attractive deals that you get to enjoy when you have Axis Bank’s ACE credit card in your wallet are enough to make you understand how using the card could benefit you in enormous ways. Making an application is quite easy.

Once you are done with the formalities, you will receive your Axis Bank ACE credit card details to begin making purchases.

Features of Axis Bank ACE Credit Card

If you go through the Axis ACE credit card review, you will get a chance to browse through different maximum benefit options that makes this card an all-in-one financial solution for people. This is the card of the people introduced for the people.

Though the credit card does not offer any cashback for the EMIs you pay, the standard Axis Bank ACE credit card features are still enough to keep you convinced. Below are some of the Axis Bank ACE credit card benefits that you must know about:

Cashback deals

The first and foremost thing that attracts people to apply for the Axis Bank ACE credit card is the cashback provisions it has.

There is no limitation to the number of cashback you get. You are eligible for the same every time the card gets swiped. Who doesn’t want to get some returns on the expenditure? Everyone wants it.

When you pay your electricity and phone bills or you are getting a recharge done, you can expect a cashback of 5% on the amount spent for the purpose. This amount gets credited to your bank account directly without delay.

Apart from bill payment, if you spend on other things, you can expect a cashback of 2-4%. To note here is that the cardholders don’t get any cashback for the EMIs they pay using this credit card.

Fuel Transactions

When you are paying for fuel using this card, your surcharge on it gets waivered. As a result, you get a chance to save a lot on the amount you regularly spent on fuel stations purchases. Using this ACE credit card, you get a 1%fuel surcharge waiver.

This is applicable in any fuel station you buy fuel from in India. However, there is a minimum amount you need to spend on fuel purchases to ensure you get the waiver. Also the third parties should have a tie up.

The transaction value should range between Rs. 400 and Rs. 4,000. The maximum surcharge waiver you can expect to get on a monthly basis would be up to Rs. 500.

Hence, if you use your own vehicle for a regular commute, this fuel surcharge waiver feature of the credit card would surely help you save enough amount on fuel expenditure.

Airport Lounge Access

Being the Axis Bank ACE credit cardholder, you get special treatment at the domestic airport lounges. Surprised?

Well, if you have this credit card, you are allowed complimentary access to domestic airport lounges. The bank allows this facility to the cardholders four times in one calendar year. So, if you travel three to four times a year, this credit card would be a fruitful asset for you.

Pay a visit to the lounge of your nearest airport and enjoy the special treatment four times a year being the trusted credit card customer of the Axis Bank.

Dining discounts

Are you planning for dinner outside? Or do you prefer frequent dining with family or friends at posh restaurants? If yes, your ACE credit card can give you the best deals on dining.

There are over 4,000 partner restaurants of the bank all across India. You can choose any one of them to experience the best dining experience with your loved ones, thereby getting huge discounts.

If you pay using an ACE credit card, you can get a discount on your bill amount. This could range to up to 20%.

So, now you know quite well how this ACE credit card from Axis can help you lead a luxurious life.

Then, what are you waiting for? Applying for the card is really easy and smooth. You just need to visit the bank’s official website and apply online along with the documents as asked for. Go for the credit card apply option and make yourself eligible to enjoy the advantages it brings to your table.

How to Apply for Axis Bank Ace Credit Card?

Now when you know the features and benefits that the credit card offers, it is quite obvious for you to want to enjoy the same by owning it.

If you are planning for it, you should know that applying for the Axis Bank ACE card is very simple. There are two ways in which you can make an application for a credit card – online as well as offline.

To know how to apply for an Axis Bank ACE credit card in both ways have a look at the steps mentioned below:

Applying Online

    1. Go to the official Axis Bank website.
  1. Check out the menu bar, you will find the Explore Products option. Click it
  2. Under Explore Products depending on the personal credit profile, click Cards, and then choose Credit Cards
  3. From the list, find and click on Axis Bank ACE credit card
  4. Click Explore More [Optional: Click only if you want to get more details about how having the card can benefit you otherwise go to the next step]
  5. Click Apply Now. Fill up the registration form.
  6. Search for the Click to Connect option
  7. Choose whether you are an existing customer or a new one
  8. Put in the personal and professional details as asked, including your name, pan card, state, contact no., monthly income, etc.
  9. Tick the checkbox to agree to the bank’s representatives to get in touch with you.
  10. Click on Call Me to get in touch with the bank’s representatives and they will connect with you to explain the application process and also resolve your queries if you have any.

Applying Offline

The offline process still remains the same. You have to visit your nearest Axis Bank branch with the required documents. A representative from the bank will help you fill in the application form and attach the required documents like pan card, electricity bills.

Based on your convenience, you can make your application for the Axis ACE credit card online or offline.

If you get stuck while applying online, you can give a missed call on our toll-free number to know more.

Eligibility Criteria of Axis Ace Credit Card

While the methods of making an application for Axis Bank ACE credit card are known to you along with the benefits you can enjoy if you are the cardholder, there is one thing that you should not miss out on. Yes, before you make an application, it is important that you check your eligibility criteria.

The bank will verify everything, including consumer credit information with the credit information bureau. Knowing the criteria will let you be assured that you are eligible for making the application.

However, if by any chance, your application is rejected given the non-fulfillment of any of the criteria, you should be aware of where you lacked.

Here is a list of criteria that you would require fulfilling:

  • You should be an Indian citizen
  • You need to be between 18 years and 70 years

Read more: Credit Score

Documents Required

Your application needs to be supported with certain documents, which the bank verifies before approving your application of owning the Axis ACE credit card. The list of documents required has been shared below:

  • Proof of identity (PAN Card, Aadhaar Card, Driving License, Voter’s ID Card, Passport, etc. )
  • Proof of address (Aadhaar Card, Driving License, Voter’s ID Card, Passport, Utility Bills not more than 3-month old, etc.)
  • Proof of income (Last 3-month bank statement, Last 2-3 months payslip, Latest Form 16, etc.)
  • Other documents (A color photograph)

Charges and Fees

Axis bank ace credit card charges

Cashback

The maximum cashback percentages applicable for the ACE card are as follows:

  • Up to 5% cashback for every bill payment you make or mobile or DTH recharge that you do via Google Pay
  • Up to 4% cashback on booking via Swiggy, Zomato, and Ola
  • Minimum 2% cashback on other expenditure
  • No upper limit for transactions as such
  • No cash back for EMIs.

Billing Cycle

Let’s understand how the Axis Bank ACE credit card’s billing cycle works:

Mr. X spends Rs. 3,000 for paying his bills and recharging DTH. He orders food worth Rs. 5000 using Zomato and spends Rs. 15, 000 on other stuff, which included an EMI of Rs. 7000. Thus, Mr. X spent a total of Rs. (3000+5000+15000) = Rs 23, 000 in a billing cycle.

However, as EMIs are not eligible for cashback, the amount that will be considered for cashback would be = Rs. (23000 – 7000) = Rs. 16,000

Calculating the cashback

  • 5% of 3000 = Rs. 150
  • 4% of 5000 = Rs. 200
  • 2% (15000 – 7000) = 2% of 8000 = Rs. 160

Total cashback Mr. X would receive for one cycle = Rs. (150+200+160) = Rs. 510

Reward Points

Like any other credit card that you use, the ACE card also has some reward points for the cardholders. Depending on annual spending & over-limit amount, Axis Bank will offer you some reward points for your loyalty and trustworthy consumer credit report.

Terms & Conditions

While filling the application, it is important for you to go through the terms and conditions properly before signing and agreeing to the clauses.

If you desire to know about the terms and conditions related to the use of the ACE card, you can visit the terms and conditions section on the website and go through the Card Member Agreement, Code of Commitment, and MITC (Most Important Terms and Conditions).

Also, you should know to what extent the market risks affect these cards’ T&C.

As soon as your application is approved, the banks acknowledge receipt of the application approval and give you an ACE credit card welcome offer or confirmation letter from the bank to start with your purchases immediately after receiving your ACE credit card.

Look for the written instructions of other card fees including finance charges, annual spends limit penalty, joining fee, annual fee, outstation cheque fee before the card issuance.

For more information, you can give a missed call on our toll-free number to know more.

FAQs

What is the Axis ACE credit card?

An Axis ACE credit card is a cashback credit card that gives you an opportunity to spend whenever you want while receiving a cashback on almost every purchase you make.

You just need to pay a joining fee of Rs. 499* to own it and the same amount yearly as the renewal fees.

Which credit card is best in Axis Bank?

The Axis ACE credit card is the best among the list of Axis Bank credit card options as it promises a cashback of up to 5% on every purchase the cardholders make.

What is the cash withdrawal fee?

It is Rs. 100 per transaction. Check with partner banks before proceeding.

How do I activate my ACE credit card?

You can apply for the card and once you receive it, you can activate the same either through net banking or mobile app or through ATM.

Through Net Banking

  • Visit the official Axis Bank website.
  • Go to the Netbanking option
  • Enter your credentials – username and password
  • Click on Accounts from Menu
  • Select My Credit Cards
  • Go to More Services
  • Click Credit Card PIN Change
  • Click on Go and enter the new PIN
  • Click Next
  • You will get a NETSECURE code on your registered mobile number
  • Enter the code to confirm activation

Through Mobile App

  • Download the Axis Bank app and log on to it
  • Select Banking from the submenu
  • Click on Services
  • Choose Credit Card and select Set/Reset PIN
  • You will receive an OTP on your registered mobile number
  • Enter the OTP and then the four-digit PIN to be validated with your MPIN
  • You will get a confirmation message once the PIN is successfully changed

Through ATM

For first-time users
  • Insert the credit card in the ATM machine
  • Choose Set PIN
  • Click on Generate OTP
  • Put in the details asked for, including card expiry and mobile number
  • Type the OTP
  • Enter the new PIN on the next screen and reconfirm it
  • You will receive a confirmation message on your registered mobile number
Users with OTP but no PIN
  • Click on the Set PIN option
  • Choose Set PIN having an OTP
  • Enter the OTP
  • Enter the new PIN and reconfirm it
  • You will receive a confirmation message on your registered mobile number

How can I get a Google Pay Axis credit card?

The steps to apply for and get a Google Pay Axis credit card are as follows:

  • Open Google Pay
  • Go to the Money section
  • Click the Credit Card button
  • Click on More to explore the features and benefits of the card
  • Click on Apply Now

How many types of credit cards are there in Axis Bank?

With around 11 variants of credit cards, Axis Bank offers options for everything from traveling cards to shopping cards to dining cards to cashback cards.

Get all details of Axis Bank Credit Cards here.

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