# Axis Bank ACE

Axis Bank · Visa. ₹499 fee · 3.5% forex · 1.5% unlimited base.

verified · checked 14 June 2026 · Source: https://cardinsider.com/axis-bank/axis-bank-ace-credit-card/

## How it earns (3)

- 1.5% unlimited base · verified · checked 14 June 2026
- 5% utilities/recharge via Google Pay only (₹500/mo shared cap) · other utilities earn 0% · cap 500 points per month · verified · checked 14 June 2026
- 4% Swiggy/Zomato/Ola (₹500/mo shared cap) · cap 500 points per month · verified · checked 14 June 2026

## On gift vouchers

- Gift vouchers earn nothing on this card.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No cashback on gift card purchases or wallet loads
- No cashback: fuel, rent, wallet, gold, EMI, insurance, education, govt · tolls from 28 Aug 2026

## Lounges (1)

- 4 domestic visits a year, after ₹50,000 spent the previous 3 months. · Domestic (Visa) · domestic · 4 per year

## Fees

- Annual fee: ₹499 + GST
  Waived at ₹2,00,000 spend per card year
- Forex markup: 3.5%
- DCC markup: 3.5%

## Dated changes (5)

- Devaluation · 28 August 2026: Axis cards earn nothing on gift card purchases (https://getbrief.cards/changes#axis-giftcard-aug26)
- Devaluation · 28 August 2026: Axis Bank portfolio revision, 28 Aug 2026: tolls stop earning, DCC markup rises, late fees up (https://getbrief.cards/changes#axis-portfolio-2026-08-28)
- Devaluation · 28 August 2026: Axis raises currency-conversion charges and stops rewarding tolls from 28 August (https://getbrief.cards/changes#axis-revision-2026-08-28)
- Retention rule · 20 June 2025: Axis redefined reward exclusions by spend-category (https://getbrief.cards/changes#axis-mcc)
- Devaluation · 20 April 2024: Axis ACE base cashback cut to 1.5% (https://getbrief.cards/changes#ace-deval)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/axis-ace