If you’re an Axis Bank customer, you might be familiar with the Axis Ace credit card or have heard about it. It’s an excellent option for those looking to maximize their benefits. Before diving into its perks, let’s review some key details about the Ace Credit Card.
The Axis Ace credit card offers impressive cashback on all your purchases, making it an ideal choice for those who want to enjoy value-driven offers while staying within their budget. Additionally, it provides a range of discounts and cashback opportunities on travel, dining, and more.
To fully leverage the benefits of the Ace Credit Card, it’s important to understand other factors such as eligibility requirements and associated charges.
Key Features and Benefits of the Axis Ace Credit Card
When exploring a new credit card, it’s essential to understand the features and benefits it offers for long-term value. The Axis Ace Credit Card is no exception and comes with a range of advantages.
Here’s an overview of the key features and benefits of the Axis Ace Credit Card:
Cashback on Everyday Spending
With the Axis Ace Credit Card, you can earn up to 5% cashback on domestic bill payments, such as for electricity, gas, internet, and DTH services, when you use Google Pay for these transactions. Additionally, receive 4% cashback on orders made through Swiggy, Zomato, or Ola. For other expenses, you can earn a straightforward 1.5% cashback.
Complimentary Airport Lounge Access
The Axis Ace Credit Card offers complimentary access to select airport lounges annually. These include:
- BLR Domestic Lounge
- Adani Lounge
- 080 Domestic Lounge
- Travel Club Lounge A
- Encalm Lounge
Fuel Surcharge Waiver
Enjoy a 1% waiver on fuel surcharges with your card for purchases made at any fuel station in India. This waiver applies to transactions between ₹400 and ₹4000. Note that GST on fuel surcharges is not refundable.
Dining Discounts
Benefit from up to 15% off at over 4000 restaurants across India through partnerships with the bank. Some of the participating restaurants include:
- Fusion Ville
- Crazy Dough
- Blanch
Convert Purchases to EMI
The Axis Ace Credit Card allows you to convert any purchase of ₹2500 or more into EMI. Simply contact the bank to convert your eligible transactions into manageable EMI payments.
These features make the Axis Ace Credit Card a valuable tool for maximizing savings and enjoying a range of lifestyle benefits.
Eligibility Criteria
To qualify for the Axis Ace Credit Card and access its benefits, you must meet certain eligibility criteria. Note that while these guidelines are provided, the final decision rests with Axis Bank.
Applicants must be between 18 and 70 years old and a resident of India. Individuals outside this age range are not eligible to apply for the card.
Documents Required
Once you meet the eligibility criteria, ensure you have the necessary documents ready for submission, as the application cannot be processed without them. Required documents include:
- Copy of PAN card
- Recent color photograph
- Latest bank statement, payslip, or income tax return (proof of income)
- Proof of residence (such as passport, driving license, Aadhaar card, or voter ID)
Please be aware that specific document requirements may vary based on your individual application.
Fees & Charges
While the Axis Ace Credit Card offers numerous benefits, there are associated fees and charges that need to be considered.
| Description | Charges |
|---|---|
| Card Issuance | ₹499 |
| Annual Fee | ₹499 after 2 years of issuance (can be waived with spending over ₹2,00,000) |
| Card Replacement | No fee |
| Cash Withdrawal Fee | 2.5% of the amount |
| Cash Payment | ₹100 |
| Mobile Notifications for Transactions | Free |
| Late Payment Penalty | Applicable for payments above ₹500: ₹500 for ₹501-₹5000, ₹750 for ₹5001-₹10,000, ₹1200 for payments above ₹10,000 |
| Dishonor Fee | 2% of the payment amount, with a minimum of ₹450 and a maximum of ₹1,500 |
| Foreign Currency Transaction Fee | 3.5% of the transaction value |
| Rent Transaction Fee | 1%, capped at ₹15,000 per transaction |
| Online Payments in Foreign Currency (Dynamic Currency Conversion Markup) | 1% on international transactions in Indian currency, 1% on transactions made in Indian currency with foreign-registered merchants |
Taxes will also be applied to these fees and charges.
How to Apply for Axis Ace Credit Card Online
Applying for the Axis Ace Credit Card online is a straightforward process. Follow these steps to complete your application:
- Visit the official Axis Bank website.
- Navigate to the “Explore Products” section in the menu.
- Click on “Cards,” then select “Credit Cards.”
- Find the Axis Bank Ace Credit Card and click on “Apply Now.”
- You will be redirected to a new page.
- Enter the required details under the “Click to Connect” option.
- Check the box to allow the bank to get in touch with you.
- Choose the “Call Me” option, and a bank representative will guide you through the next steps.
Alternatively, you can apply offline by visiting a nearby Axis Bank branch with the necessary documents.
Final Thoughts
The AXIS ACE Credit Card is an ideal option for routine expenses, providing cashback rewards and the ability to split payments into installments. Renowned as one of the top credit cards from Axis Bank in India, it offers seamless integration with Google Pay for convenient transactions. If you’re aiming to manage and diminish substantial debts effectively, the AXIS ACE Credit Card is a valuable asset. Apply now to begin reaping these advantages!