Axis Bank Launches ACE Credit Card with 2% Cashback on regular spends

By | May 19, 2021
Axis Bank ACE Credit Card

Axis Bank in collaboration with Google Pay launched a new entry-level credit card named Axis ACE Credit Card that runs on Visa (Signature) platform. Here’s everything you need to know.,

Features and Benefits

  • 5% Cashback on: Bill payments (electricity, internet, gas and more), DTH and mobile recharges through Google Pay
  • 5% Cashback on: BigBasket and Grofers (till 31st Dec 2020)
  • 4% Cashback on: Swiggy, Zomato and Ola
  • 2% Cashback on: all other spends (except fuel, emi, wallet loads)
  • Lounge Access: 4 complimentary lounge access per year

5% category without any max. cap is very generous and also 2% cashback on all other spends is mind blowing to see on an entry-level credit card.

Speaking about lounge access, remember that the entry level cards gives access to only small set of lounges, while premium/super-premium gives access to almost all lounges in the country.

This is followed by most other card issuers as well, but its good to see Axis being transparent about it by listing them.

So what about the joining and renewal fees?

  • Joining Fee: Rs.499+GST (reversed upon spends of Rs. 10,000 within 45 days)
  • Renewal Fee: Rs.499+GST (waived off on annual spends greater than Rs. 2,00,000)
  • Limited Period Offer: No Joining Fee for applications received till 31st December 2020

How to get it?

Select Google Pay users should be able to see it on their app for now. Others should be able to apply online/branch/customer care shortly. I would suggest to give try post 15th Oct as its pretty new.

Bottomline

Overall its an amazing card for a fee of this range. Flipkart Axis Bank Credit card used to be one of the best entry-level cards but now they’ve levelled up and gave even a better product.

Speaking about the competition, ICICI too has a compelling entry-level product with its ICICI Amazon Pay credit card. HDFC Bank too has Millennia credit card but its nowhere close to the Flipkart & ICICI offerings for this segment due to its limits & tricky T&C.

Axis ACE not only serves beginners but also premium and super premium credit card users who needs more rewards as cashback, which is a need of the hour during this pandemic.

If you’re looking for a credit card with “low fee” and better non-travel rewards, your search ends here.

What’s your thoughts on the newly launched Axis Bank ACE credit Card? Feel free to share your thoughts in the comments below.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

497 thoughts on “Axis Bank Launches ACE Credit Card with 2% Cashback on regular spends

  1. Ratnesh kumar

    Means Axis bank want to attract mobile generation of entry level and mid range level card user aggressively …..But I don’t know why x2 axis put higher spent limit for for annual fee waiver on their basic cards. E.g 2 lac on this card ….

    Reply
      1. SYK

        Dear sir,

        I have applied for axis ace credit card. A rep came to collect the documents. Without informing me he made the application to axis privelege credit card. I came to know this only after receiving the message from the bank. I called him but he was argumentative and I am not sure he can rectify the mistake. My application is in process state. Tried to call the support, but could not reach them without the card. What can I do now? If they send the privelege card then I have to pay Rs. 1500.
        -SYK

        Reply
        1. SAMEERTEZ

          Approach ur nearby axis bank branch and explain the same to credit card division manager as soon as possible to halt ur ongoing credit card application process. They will take ur case to their backend team and resolve the issue.

          Reply
        2. Bhavin Shah

          Take it,you will get 12500 welcome points once you fulfill condition. This will entitle you to Rs 2500 voucher and after 2-3 months you can ask for upgrade or cancel the card

          Reply
        3. SYK

          Bank responded immediately and sent a rep to collect documents again for the Ace card. Got a call from the bank officials to ensure the cancellation of Privelege card. Got a feel that things are going in the right path. Let me see how things end up finally.

          Reply
      2. Jitoo

        But you need to check all transactions individually from the statement, because I found for some Gpay transactions they have considered under 2% category. Similarly if you are making any transaction through any wallet by using this card directly also they are not giving cashback, as per their rule there is no cashback for adding money into wallet. but while doing transaction if we are making payment from Card then it should not be considered as wallet load and it should be eligible for cashback.

        One good thing is that the cashback amount is transparent in statement which is very useful.

        Reply
        1. AAJ

          Agree, got just one of three transactions of Gpay 5%, rest two 2%, not sure why.. need to ask cc. This is not good at all

          Reply
          1. Mahendra G

            Hi AAJ,

            In terms and conditions, they mentioned clearly that 5% cash back applicable for only for specific categories not for all. That’s why you didn’t get 5% for few categories. I didn’t remember categories exactly.

          2. Kiran

            @ AAJ, even I’m facing the same issue for this months statement. Did you get any solution ?

            Cheers, kiran

          3. Meher Shiva Tadepalli

            The categories for 2% Cashback are electricity, water, gas, LPG and
            broadband), DTH and mobile recharge through Google Pay

          4. AAJ

            HI @Mahendra ji,
            I checked with cc, there is some technical issue. It is also mentioned in statement, later I got to know when informed by email/cc team. Hope they adjust / credit difference in upcoming statement.

          5. Meher Shiva Tadepalli

            @AAJ: I Am sorry. I meant the 5% categories in my earlier post. The 5% categories are only electricity, water, gas, LPG and
            broadband), DTH, and mobile recharge through Google Pay.

          6. suhag

            i also spoke and cc told that there is some technical glitch (i cant believe taht such bank can do such technical glitch ) however they have said that they will deposit additional 3% .. but really i m not sure for this bank .. CC is simply worst .. twitter team is all together worst of all

          7. Kiran

            Spoke to costumer care, they did acknowledge it was an error at their end. I was said the balance cashback would be credited in the next statement.

            Lets us see if the credit the balance 3%.

            Cheers,
            kiran

      3. suhag

        are u facing glitch of getting 2 % instead of 5% cb in this card.. cc is worst

        Reply
      4. YOGENDRAKUMAR SWAMINATHAN

        Hi,
        To get rid of the annual charges they ask us to spend two lakhs. Is wallet loading counts as a spend for waiving annual fees?

        Reply
        1. Rohit Bahl

          Anything you spend on is considered as spending be it wallet loading or POS purchase.

          Reply
    1. Captain Bishuddha Bharatiya

      I would not call it a basic card. Infact it is giving much high cashback than HDFC Infinia. I will use it more than Infinia but the problem is that limit is less in my AXIS credit card. Will try to get hands on it as soon as possible.

      Reply
      1. Rushabh

        I would still consider infinia and DCB better for now as if you take amazon gyftr vouchers and use them to pay utilities on amazon pay, you get 33% on utilities.

        Reply
        1. Ashish

          Is bonus points still being credited for purchase of Amazon gift card beyond 5K. I have not received bonus points on amazon gift card purchase for few months now. Also gyftr has removed PayZapp payment option on Amazon and Flipkart which i think essentially is to get card number being used for purchase

          Reply
        2. Amitabh Maheshwari

          For offline purchases this card is great, and also for zomato, Swiggy and Ola.

          Reply
        3. AMITABH MAHESHWARI

          Agreed, but let us not forget that both DCB and infinia are not easily available. While infinia is an invite only card, there is no renewal benefit on DCB even if full fee of Rs 10,000 is paid. So unless one travels a lot and of course gets an invite from bank, infinia is not feasible and DCB is also good if one reaches Rs 5,00,000 milestone and get the fee waived. If DCB is LTF, nothing like it but that again is given LTF to very select customers. On the whole, a card should be compared with the like cards. You cannot compare Amex smart earn card with Amex Platinum Charge Card.

          Reply
    2. Abhinav

      Does this axis ace credit card gives any cashback on lic insurance or term plan premium payments?

      Reply
      1. AMITABH MAHESHWARI

        Yes, only wallet uploads, cash withdrawals, fuel purchase and EMI spends do not earn cash back.

        Reply
        1. William Mattu

          Does this google pay cash back be applicable on iOS devices also or it is for android only like google pay already doing unfairly in the name of fair policy….????

          Reply
  2. SH

    This changes the game at the entry level. There are no caps on total cash back (unlike the Stan Chart cards), and no floor on minimum and ceiling on maximum transaction level from cash back qualification. Also as I understand the cash back is applied without the user having to do anything. It is great to see that we are getting to see these cards that give extraordinary value for a nominal fee.

    Reply
    1. jagath

      factory bill is approx 1lac per month
      will i get 5% cash back(5000 per month)

      Reply
      1. Mahendra G

        Hi Jagath,

        You will get 1 or 2 times. But after that your card will be blocked because you are using personal card for business purposes. Please avoid that if you want continue your card. No home will get electricity bill in lakhs in general. So credit card companies will treat the transaction as business transaction

        Reply
        1. jagath

          hi mahendra
          which card should i get
          i was thinking about dis card.can any1 suggest any other card.major expencess is my factry eletricity bill..

          Reply
          1. Amann

            If bill is up to Rs. 1lac, you should use Axis Ace. If above 1 lac, use INFINIA, DCB, SCB ULTIMATE

  3. Sameer

    This has the potential to be an actual game changer. I am Stuck on Regalia from 4 years with a 1.3% RR. And this has minimum 2% that too cashback. Awesome!

    Reply
    1. AMITABH MAHESHWARI

      And even 1.33 % reward rate ( at full value ) on Regalia does not give you the freedom to spend anywhere. I mean, rewards will fetch you full value only on flight, hotels, etc

      Reply
      1. Mahendra G

        Now HDFC introduced new condition that only 70% of flight ticket value can be redeemed from rewards rest need to be paid by money. Not even using regalia card as third card. My primary card is Axis ace, secondary card is amazon pay.

        Reply
  4. Sanchit

    Now if only RedGirraffe start accepting Google Pay as official biller…

    Reply
  5. Himanshu

    I called up the customer care today as I wanted to change my existing Vistara Card to other card (No plans of travel for the forseeable future) and just out of curiosity, I asked the CSR if I can get the Ace credit card.
    The CSR checked the system for a while and then said you’ll get this card as an additional card and if you want to discontinue Vistara Card later, you can just call the customer care and place the request for the cancellation of Vistara Card and you can use the Ace card without any issue.
    So, for now, I have applied Ace card as an additional card and will try to cancel the Vistara card later.

    Reply
    1. Kushal

      Were you able to appky for this card with the customer care itself? When I called they told me that the Ace card can only be applied via Google pay app only and will be given to those eligible for now.

      Reply
    2. Kamal

      Thanks Himanshu for letting us know. I applied the next day of this comment (Day 2 of Ace introduction) via customer care call.
      I already have Flipkart axis credit card and I was doubtful whether they will allow me to swap for Ace card as they fall under same category.
      The CS person immediately recognized the new card and in matter of two minutes filed my request to upgrade ( is n’t it swap ? ) my FP to Ace . He promised me the card will be delivered in 14 days.
      I received a sms with reference number which said , once processed, card will be delivered in 7 working days which is delightful.
      I feel Axis CC dept is way better than HDFC CC dept. HDFC dint allow me to swap my useless Regalia first to diners privilege saying they both fall under same category .
      From the interaction I had with Axis today, I wish them for their growth in future attractive credit card endeavors

      Reply
      1. Shailesh

        Hi Kamal,
        I also called up Axis CC and they applied this card for me on basis of Flipkart CC
        I received the sms that card will be delivered in 14 days. My question is was your Flipkart CC got de-activated once you got Ace CC? I clearly told Customer Care I wish to use both Ace and Flipkart CC but I got the sms that its upgraded.

        Reply
        1. Rishabh

          It will not deactivate ur existing card if u asked them to continue using existing card. Sms is generic, it always mention ‘Upgraded’. I had confirmed about this in my case month ago.

          Reply
    3. Himanshu

      UPDATE: The card is now visible in netbanking/mobile app and close to 3 days for the card to show up in the app.

      Reply
      1. Himanshu

        2nd UPDATE: Got the card delivered today. The card actually looks nice in hand. The first-year fee is mentioned as 0 .

        Reply
      2. Yuvaprasath D

        Still my card is not visible in mobile banking & ner banking one week over

        Reply
  6. Prashant kumar mishra

    I am a burgundy customer maintaining high 7 digits. Called RM and this was offered to me LTF.

    Reply
    1. Pranav Sharma

      do they offer this card as ltf is it possible any way

      Reply
  7. Praveen Katiyar

    Considering the fee for stanC Ultimate..
    This seems a better offering.. more so.. no more waiting for good vouchers for Ultimate..

    Will give it a try.

    Reply
  8. Mahesh S. Panicker

    Sounds great from Axis.
    If only their processing executives do not discriminate against sections of society. I had applied for the Flipkart Axis card, they denied me because I happen to be a person with vision impairment. Its another matter that ICICI, SBI, HDFC,, Standard Chartered, IndusInd or RBL had no issues providing me a card. Siddharth, do you know who at the higheer levels can one contact to deal with such a situation, when one is not an Axis customer? Without a registered email ID, I am unable to contact the Axis customercare, but I want to take this up with the higher authorities in Axis before going to the Banking Ombudsman or RBI.
    And if I can sort the issue out, I should surely consider this card over the Flipkart Axis card.

    Reply
  9. Points Addict

    Wait, how can we make credit card payments on Google Pay? Isn’t it supposed to be done through UPI?

    Reply
  10. Amann

    Hi Sid

    How do you use credit card on Google Pay? I can only see Bank Account/ UPI payment option for bill payment.

    Reply
    1. Siddharth Post author

      Google Pay seem to have some kind of integration with Visa with which you won’t even need to share the card details. I doubt if its live.

      Anyway, once it goes fully live we will cover in detail on a separate review article.

      Reply
      1. Rishabh

        It is live and currently we can add Credit/Debit card of Axis & Kotak or Credit Card only from SBI bank.
        Only VISA variants are accepted.
        Also it will not allow to use Card for Scan n Pay, only Tap n Pay merchants are supported via NFC of phone.
        So phone without NFC may or may not able to do offline purchase via Card on Gpay.

        Reply
      2. Vishal R

        Feature is called visa tokenization. there will be unqiue number generated instead of your card number

        Reply
      3. Anuj Kaushal

        Yes It’s live, I am using it with axis visa card. Right now only Axis and Kotak visa cards are supported

        Reply
        1. Ashish

          Using Axis ACe card with GPAY, however many of the providers like Swiggy, OLA, it shows unsupported when you go into select the card when in payment selection in GPAY with both AXIS and Kotgak card

          dont understand why then add it in GPAY if you can not select it for payment to service providers

          had to directly pay thro the axis card using CC option without GPAY

          Reply
  11. AAJ

    Also works on GPay on iphone? I saw Kotak sending email to link credit card on GPay mentioning it’s just for Android

    Reply
  12. MAA-traveller

    Apart from the 5% back on utilities (HDFC, Amex, Citi have some restriction or the other in this category), the biggest benefit I see is ability to pay by scanning GOOGLE PAY QR by charging the card. Is this possible and my understanding right?

    Reply
    1. Meher ShivaTadepalli

      It is not possible. Only the bill payments can be done via the GPay app through this card.

      Reply
  13. Kishor Sapkale

    The problem with Zomato & Swiggy cashback offers is
    They usually provide better offers with certain cards (card based offers instead of universal once)
    Like with HDFC they provide 120 flat on spends of 600
    ICICI Rs 100 off on spend of 500
    Soo these 4% cashback offers becomes obselete as you won’t be able to use this card
    Big basket & Grocers are sham literally zero discounts, they are selling stuff at MRP
    I still prefer Dmart or Jio Mart
    2% on all spends is a good addition but now that we have soo many cards its imperative we atleast achieve the spend based offers on these cards
    I already have Flipkart Axis Card don’t know how much sense would getting this card would make

    Reply
    1. MANJUNATH U

      Hi Kishore buy groceries on flipkart grocery, Star Quik & amazon grocery app, a host of discounts are available on the product. Flipkart & Star Quik are the best options because literally lot of savings can be carried out for the entire month. Products are not sold on MRP. Cashback is credited to Axis flipkart statement, which offers better value when compared to other branded cards, when transactions carried out on the same card. Star Quik gives an option to buy appliances at lower cost.

      Reply
    2. Saurabh

      For some reason, I see crazy discounts on Grofers and regularly use it. Bigbasket – I agree, discounts are not that good.

      Reply
  14. Rohit

    Hi,
    I am not sure what is elligiblity criteria for axis bank credit cards. I have expression credit score of 807 & I was rejected for flipkart axis card. Where can i get information on about this ?
    Thanks

    Reply
  15. Nev

    May I know what is considered as a Wallet load? For example, if we use swiggy and use wallet as payment option, is that considered as a wallet load?

    Reply
    1. Siddharth Post author

      Yes & No.

      Yes – because its a wallet.
      No – because I don’t think they use the right Payment gateway setup with a specific merchant code under wallet for this.

      So you can know only after testing. Ideally a merchant will get a separate wallet MC once there is significant volume under wallet.

      Reply
    2. FrequentFlyer15

      Wallet load in thw crude sense is loading money in a wallet and then using that wallet to pay. However, almost all wallets are registered as a payment gateway. So, if you pay through say, Paytm, and then instead of using your wallet balance, click credit card and pay, then its not a wallet spend but a payment gateway spend.

      Reply
      1. AbhiKohli

        Paytm has option to pay through credit card ??? All I get is pay through wallet & bank account (probably using UPI) don’t get option to pay through CC for saved cards. So to pay through paytm, I always recharge wallet & pay (for the cards that don’t have problem with wallet RP)

        Reply
  16. Cav

    Will i get 2% on Redgiraffe and NoBroker, if i pay the rent thru these websites/apps.
    I guess i will not get the 2% if i pay using Payzapp on Redgirraffe or Nobroker, as the payment would then reflect thru the PAyzapp wallet.

    Reply
    1. Sandeep

      Can we use axis bank cards at redgirraffe for rent payments. Redgirraffe executive told me you can’t pay via axis bank cards. Let me know if there is way out. If not what other card is best for rent payments on redgirraffe

      Reply
  17. Murali

    Can I apply for ACE card as I am holding Flipkat Axis card. Will bank allow to hold two cards (sharing the credit limit)

    Reply
    1. Charudatta

      Yes,,, U will get. I rec. too. Axis Bank ACE card gives cash back on Gpay for utility bills. I confirmed this too. If u have Axis flipkart card then u need to call only customer care. No need to apply / form fill up/ doc give. Limit will be shared from ur Axis flipkart card. within 5-6 days u will receive the card.

      Reply
  18. Toast

    I’ve applied, and that too only for the 2%; I dont use Google Pay, I don’t go to airport lounges, and I rarely order food at home.

    This is the perfect card for me because it offers a good percentage cashback with no stupid tricks other companies play (all that Smartbuy Hoopla, limits on cashback, categories, etc), and just gives me the cashback directly next month so I don’t have to think. My spending is limited and doesn’t fit properly into categories; so this card is ideal for me.. Hopefully they deliver what they’re promising, because my experiences with service with other banks haven’t been great.

    If they pull the service part off properly, they’re going to get a very loyal customer.

    Reply
  19. Saurav Das

    Is there any minimum transaction cutoff on spends to get the cashbacks?

    Reply
  20. Joyce

    Adding credit card and debit card is still not available for many users or in general more for the iOS Google Pay users and they might lose out on the offers ending 31st Dec!! And not clear if the cashback on insurance payments fetch 2% or 5% cashback? Else looks a good card to start with!

    Reply
  21. balaji

    Really great cashback card. I wonder whether they will give 5% cashback for electricity bills that are about 1 Lakh INR. If there are no strings attached for these utility bills, then this is a great deal for many.

    The 5% Swiggy, Zomato and Ola is a limited offer. The TnC states
    **Valid on the website as well as mobile application of BigBasket and Grofers. This is a limited time offer valid for transactions done till 31stDecember, 2020.

    Also, this time TnC is clear on rounding . This time this is proper round off NOT round down. i.e., the fractional part greater than 0.5 rounds to 1 else 0.

    The cashback will be rounded off to nearest rupee value for each individual transaction. For eg., If for a transaction of Rs. 1070, the customer is eligible for a cashback of 2% i.e., 1070* 2% = Rs. 21.4. Rs. 21will be credited to the customer for that individual transaction.Similarly, for a transaction of Rs. 1080, the customer is eligible for a cashback of 2% i.e., 1080* 2% = Rs. 21.6. Rs. 22will be credited to the customer for that individual transaction

    Reply
  22. hrishikesh

    I thought Google Pay only accepts UPI.I dont find any option of adding creit card in Gpay

    Reply
    1. MANJUNATH U

      Go to the tab on right corner & click on the bank account linked to GPay. You have an option to link Axis visa debit/credit, SBI & Kotak cards. But payments are processed only for registered businesses under GPay. All the payments are not supported, P2P is restricted. Only C2B transactions are accepted.

      Reply
      1. Narendra

        Am unable to see those options. Anyhow applied for card 2day.it was okayed instantly by cc.
        Wil see again after the card was alloted to me.

        Reply
  23. Ravindra

    Can i apply for this card if alredy hold Flipkart axis Bank credit card. is it possible for this. can i hold 2 axis Bk Cc Card

    Reply
    1. Somnath

      Yes.
      My Application Timelines:
      16.12.2020 : I called the CC (1860 419 5555) and asked for ACE as an additional card. I have the Flipkart Card since September 2019. The CCE took my request and while on call, I received an SMS from Axis which read as:
      Your request no. ******** for credit card upgrade is received. Once processed successfully, card will be dispatched within 7 working days.
      After reading this, I told the CCE that I do not want to upgrade my Flipkart Card but apply for ACE as an additional Card. He explained that whether the request is for upgrade or additional card, the SMS format is the same. In their system, there is a check box:
      Whether the customer wants to continue the old card account? Yes/No.
      He checked YES for my request.

      18.12.2020 : The Ace card details started reflecting on the Axis Mobile App.

      19.12.2020 : Got an SMS from Axis:
      Upgrade request for Axis Bank Ace Credit Card has been processed successfully. New card number is xxxx. Your previous card will remain active.

      22.12.2020 : I got SMS from Blue Dart in the morning and got the Ace Card delivered in the afternoon.

      I am really thankful to Siddharth for this enriching venture. Also, the comments of the credit-card community on this website are helpful for all of us who want to make optimal use of Credit Cards.

      Reply
  24. ravi

    Online application is not fully enabled. It just collects basic data and promises a call back.

    Reply
  25. BITAN

    contacted the customer care chat they said it’s a invite only model you can only apply through GOOGLE PLAY APP

    so have contacted the app , they said they are working on this eligible customer will get a banner on the app

    Reply
    1. Bitan

      Finally application processed by axis bank

      Addon card also applied for parents

      Reply
  26. Saurav Das

    Has anyone got the option to apply through Google Pay yet? If yes, where is the option displayed?

    Reply
  27. Amann

    For all existing card holders, calling customer care is the best way to get this card immediately. But you need to call 18604195555 and not 18605005555.

    The 419 customer care executives are very cooperative and get things done. I got flipkart 2 months back and now have applied for Ace as well based on my LTF myzone card. The 500 ones are useless and often say offer is not available on your card or something similar.

    Reply
    1. VK

      so, will you get a separate limit for this card or shared limit with existing card? also how many credit cards can one have from Axis Bank?

      Reply
  28. Nikhil

    I applied on launch day itself via CC, card details are now reflecting in app. Limits are shared in true sense.

    Reply
  29. SAMEERTEZ

    Jst tried to pay a nominal amount on Google PAY app to my mobile postpaid using my sbi visa credit card. It’s done without any flaw. Showing all payment options while payment processing.

    Reply
  30. Priyansh

    Only great aspect of this card is 5% cashback on utility bill payments. So 500 on 10k electricity bill- not a bad option over the year.

    Though wanted to understand how others are paying their utilities- I mean payzapp and others have too low a cap for cashback. Have some great cards in HDFC Black and Stan C ultimate but no idea if can get 5% benefit in any.

    P.S- will be switching Axis Privilege for this- of course not worth it for me to get this only for Utilities.

    Reply
  31. Jasond

    Will lic cards which are backed up by axis, also work on google pay? They are issued ltf with flat reward structure and the main criteria is only that you should have a lic policy or relationship with axis.

    Reply
    1. Aanal Shah

      Yes I Tried that on Android GOOGLE Pay Application ,i have LIC Signature LTF credit card.

      Reply
  32. balaji

    It should be, if it is VISA. Try it once on GPay and let us know. GPay has recently added VISA CC by Axis,Kotak & SBI as payment methods.

    Reply
  33. Rishabh

    Saw across diffrent sites, limited period offer: 500 Cashback after 3 Txns of 500 each in 45 days. That’s good deal considering card FYF in 2020.

    Reply
  34. Pranab

    @Kamal,
    Exactly same for me.
    Also the card is now visible in netbanking/mobile banking.

    Reply
  35. Pranab

    How’s credit limit works on Axis?
    Is it separate limits like SBI or same shared limit like ICICI?
    Today CCE informed, credit limit on my Flipkart card can be raised depending upon documents I provide. She even asked me about my expected limit 🤣. But mentioned, credit limit of this new card can only be raised after 6 months (currently having the exact same limit of Flipkart card).

    Reply
    1. Nikhil

      It is shared in true sense. meaning spends on 1 card will reduce available limit on other card

      Reply
  36. jitendra saraogi

    I have applied for this new card but do not see any option to link any credit card on google pay on my iphone.so please help.
    Thanks.

    Reply
    1. MT

      Credit card linking is still on android only for now , ios is waiting to be rolled out

      Reply
  37. Divyeshkumar d mistry

    In Amex membership reward card
    rs1000 pay to amazon wallet 4 time in months eligible for bonus rewards

    Reply
  38. Amar

    Massive let down – this card is not supported for insurance transactions on Google Pay.
    I got the card delivered today and immediately tried paying for my insurance premium which is due shortly.
    Alas Goay doesn’t support credit cards for insurance txns.
    All other bill pay such as electricity, DTH, Mobile, gas etc is supported exceppt insurance.

    Reply
    1. balaji

      Thanks a lot. Good to know that some one got it . Please tell us
      1. Did you get 5% rewards ? ( may be we have to wait till cc bill generation. but please keep a tab on this)
      2. Was there any upper limit per transaction for utility bills ? For example , amazon pay has a limit of 25,000 INR.

      Reply
      1. Amann

        1. You get sms confirm for each transaction via sms that you will get x% cashback on the transaction.

        2. Since UPI is limited to Rs. 1 lac per day, Google pay put a limit of Rs. 1 Lac for bill payment even if it is paid by credit card.

        Reply
        1. balaji

          1. Its a great feature. Thanks for the info.
          2. Lets say if we pay a 90,000/- bill , will we get 450 cashback ?

          Reply
          1. Amann

            Not 450. You should get Rs. 4,500/- cashback in succeeding billing cycle. 3 days before bthe billing date.

            Example. If your billing date is 15th October and you have spent 90,000 on utilities on Google Pay in that billing cycle, you should get Rs. 4500 cashback on 12 November 2020. You will also be able to see cashback earned in you billing statement generated on 15th October against each transaction separately with total for the billing cycle.

          2. Kiran

            If you 90K bill ideally you should be getting ₹4500 for 5% CB.

          3. balaji

            450 is a typo . i meant 4,500/- . sorry for the confusion.

    2. MAA-traveler

      Have you tried Google Pay QR code in local shops? These folks accept only UPI and not even Paytm wallet.

      Reply
  39. Ram Kaushik

    Its a nice entry level card for sure. But if you have HDFC Millenia credit card, icici amazon card and Axis flipkart card u get 5 percent in almost everything including paying rent via hdfc ( Now it is more than 5 percent because of no broker offer) 😉

    Reply
    1. balaji

      Still ACE will be ace, for those who pay thousands of rupees for utility bills.

      Reply
    2. Dave

      – Millenia has minimum transaction limits of ₹2000 for cashback
      – Amazon card rewards you with Amazon Pay money. While it is equivalent to cash right now, you still need to use Amazon Pay

      I always tend to value direct no-nonsense, less T&C cashback higher than one with different gotchas. Here you just get the 5%/2% directly into your CC account without any limits.

      Reply
      1. ka

        How do you get 5% on rent on millenia and amazonpay card? can you explain? what is this nobroker offer? are there any upper limits to such 5% benefits?

        Reply
    3. ka

      How do you get 5% on rent on millenia and amazonpay card?

      can you explain? what is this nobroker offer?

      are there any upper limits to such 5% benefits?

      Reply
  40. Sourab

    How does one apply for this card? I do not hold any relationship with Axis. I applied on their website a week back but have not received any callback from bank executive.

    Reply
    1. Dave

      The website contact form is useless, nobody calls back on these. I started my application bu contacting a bank branch and going through their process. The new offline application forms now have the Ace card on them, so they should know about the card by now.

      Reply
  41. Amar

    I paid my gas bill and immediately got a message from Axis bank –

    Congratulations! You are eligible for 5% cashback on your last transaction with Axis Bank ACE credit card xxxxxx. T&C apply

    Reply
    1. Priyansh

      How? When I am trying to pay my Adani Gas bill, it’s showing card not supported in Gpay. And only giving option of bank account upi.

      Any help would be appreciated

      Reply
  42. Praveen Perumalla

    Got the card couple of days back. Like the other cash back cards, you get an SMS indicating the % CB for every txn. Used it on swiggy, zomato, and for recharges on GPay. So the CB percentage seems to be as indicated. The CB will be credited in the next billing cycle. So have to wait and watch.

    Given the CB is unlimited, it is worth getting the card as long as this benefit lasts 🙂

    The design is stunning. The wave on the card has some 3D effect as you keep moving the card up and down displaying the wave in purple and pink colors.

    Reply
  43. MT

    Has anyone faced the following criteria for fresh non axis bank account holder application:

    1. 10lakhs ITR or above for non salaried
    2. 50k per month or above for salaried?

    Me and my friend applied under such conditions set by the CC representative of a mumbai based branch , he cited this criteria for non account holders

    Reply
  44. Mithi

    I applied through CC, now I see ace card in mobile app after 3 days along with my zone ltf.
    My Zone ltf from 3 years will they start charging if I keep My Zone unused from now on.

    Reply
  45. ismail

    i got this card 2 days back, used it POS, Amazon wallet loading, both working
    But not able to pay school fee using SBI collect. any similar experience?

    Reply
  46. Raj

    I have Flipkart Axis Bank Credit Card, Can I apply for this card since this and flipkart axis credit card fall under same category ? also what about credit limit, if I can hold both cards then limit will be shared between both card ?

    Reply
  47. Anubhav Gupta

    Sbi Simply Click Card is a better option for insurance payments through Amazon Pay. Insurance spends are eligible for 10X rewards. Just got 10X rewards for a Insurance spend over Amazon.

    Reply
  48. Mohan

    Applied on their website like 5-6 times but nobody calls back. Customer care requires you to be their customer to speak to someone. How have you folks been able to get the card?

    Reply
    1. Himanshu

      Yes. I have an existing card and I just called customer care and told them I need this card. That’s it.

      Reply
  49. Pranab

    Hi Ismail,
    Did you get 2% cashback confirmation message on wallet loading?

    Reply
      1. Bharat Kohli

        Hello Ismail,
        Would this card give cash back on ola money wallet load? Can you try and let us know?
        The reason I’m asking if we use ola money card(which uses money of ola money wallet) to load mobiwik wallet then use mobiwik amex blue card to pay online then we can get 4% on Axis + 3% on mobiwik I.e. 7% unlimited returns.
        Use mobiwik to pay credit card bills so that you never run out of super cash on mobiwik.

        Reply
        1. Naitik Mehta

          hey i didnt understand this, can you explain more? is it best way to get rewards for paying credit card bills?

          Reply
          1. Bharat Kohli

            If you pay credit card bills on mobiwik then you get 1% super cash. For example you paid 10000 bill then you get 100 as super cash.
            Now American express mobiwik blue card uses 3% of super cash for every transaction. For example if you want to pay 100 on some site then actually 97 you need to spend.
            American express mobiwik blue card is a sort of prepaid card which actually uses money of mobiwik wallet so in above case you need to add 97 in mobiwik wallet from any payment mode.

        2. Muthu

          Have you got answer for your question? Is ola money wallet load giving 4% or 2% cash back? Please confirm.

          Reply
          1. Shimul

            Received SMS says 4% on ola load. Waiting for statement generation to verify. I don’t trust Axis bank

          2. Saurabh

            I got 4% cash back on ola money wallet load using Ace card

          3. Saurabh

            I had tried this and in the staement, I saw 4% cashback for ola money wallet load. I guess it is gonna be short lived.

  50. MT

    Axis has left me without words today , they asked for 10lakh + ITR , given , cibil score 792 , even after that they declined application for Ace credit card due to internal policies , sad moment for me , P.S Yes i am venting out my frustration

    Reply
      1. Mohan

        Yes I have never had any relationship with Axis yet. How does that affect my chances?

        Reply
      2. MrNightStar

        Sid, what would your suggestion be if one is applying for card with axis (First time) . Situation similar to what MT stated.

        Reply
        1. Siddharth Post author

          All banks reduced approval rate on credit cards post Covid-19 outbreak. Having Axis a/c definitely helps, not sure otherwise.

          Reply
    1. JK

      same happened to me also… 1st application with axis bank … CIBIL in excess of 800… gave a Infinia statement.. still declined…
      Is it a case of not giving a basic card to a holder of a Super Premium ?

      Reply
      1. MT

        If you have a rejection number(as the bank executive call it) , use that to take it up with BM or nodal officer , if its just showing declined , then call/meet the executive who took/filed your application to see if there is any problem uploading the application

        Reply
    2. MT

      Update: They declined the application, called the agent who filed my application via tab , he looked into it and claimed PAN card photo was not clear , took it again and resubmitted, 2 days later , card application approved with a decent initial limit in my opinion , now wait for the card to turn up at home

      Reply
    3. Srik

      How long did you wait ?
      I submitted documents on Oct 22, still haven’t heard from them

      Reply
      1. MT

        Docs uploaded on 28th october , declined on 30th October, pan card photo retaken on 31st October, approved on 2nd November, 6th november card in hand , though my friend to applied with me is still struggling with a pending application

        Reply
    4. Pramtesh

      I had applied Ace on basis of my DCB. Very next day I received Sms for card approval. But the limit alloted was almost 1/5th of DCB
      I had no relation with Axis

      Reply
  51. Prabhat

    Can I do a transaction more than its limits if I paid the required amount in advance ? Query about Axis ace card.

    Reply
    1. balaji

      Also will the benefits continue in the above scenario is another question?

      Reply
  52. Pp

    What will be the cash back if we pay insurance using this card. Insurance falls under bill payment in google pay. Will it be 5% or standard 2%?

    Reply
    1. Mohan

      Insurance falls under 2% cashback in Gpay Ace card. Better to get amazon vouchers with 5% CB in smarbuy port and pay Insuance via Amazon. Lost 600rs to test Ace cashback.

      Reply
      1. Rohit Bahl

        Hi Mohan,
        Instead of using ACE card for payment towards insurance. Cant it be used to load OLA money wallet and taking 4% cashback and then using OLA money Mastercard (which uses money of OLA money wallet) for making insurance payments? This way insurance payments will yield 4% instead of 2%.
        Just a thought!!

        Reply
        1. Meher Tadepalli

          Higher payments (Payments with large amounts) on OLA wallet are considered for only 2 percent cashback. At least I observed that in my credit card statement.

          Reply
  53. KSB

    I have the Vistara Infinite card which obviously for the next year or 2 doesnt make sense, [ i do not have a banking relation with Axis]
    So when i spoke to the CC about downgrading to the ACE credit card, they said if its showing up on Google Play you can apply for it otherwise do it the traditional way, he was unable to downgrade it
    Infinite card i can downgrade to another Vistara card or a first year free Privilege card,
    My renewal is in December so i think i might just close the card and be done with Axis? or shall i keep a credit line open with them? need suggestions

    Reply
    1. Siddharth Post author

      Axis systems doesn’t allow to upgrade/downgrade between Co-brand and rewards cards. But I’m sure they should be able to issue ACE as a separate card over call, post receiving which you may close Vistara card.

      Reply
      1. Raghu

        Siddharth, will this lead to a new cibil enquiry? I am trying to limit the number of enquiries, as I have recently received the Axis Flipkart card and would now like my hands on this card.

        Reply
    2. Himanshu

      Hey KSB,
      My Vistara Card renewal is due in December. I thought of changing the card to Select Card and when I called customer care, they told me that I actually can upgrade to Select.
      However, as Ace was launched recently, I told them to give Ace as an additional card (They told me to close the Vistara separately once I receive the Ace Card). The request was processed in 3 days and I got the card within a week.
      So, when I called them to close the Vistara Card, they told me that I can upgrade the Vistara Card to Select Card and there is an ongoing offer of 1 year of complimentary Amazon Prime with Select (And Rs. 2000 Amazon Voucher as well). So, I told them to upgrade the Vistara to the Select Card. So, 3 days later, they told me I cannot upgrade the Vistara Card to Select as the same card has already been used to upgrade to Ace Card and I will have to wait for 3 months in order to try for an upgrade.
      It seems like in the eyes of Axis Bank, all additional cards are seen as upgrades and that is why I cannot upgrade to Select it seems.
      Anyhow, I will be closing the Vistara Card and I am happy with the Ace Card.

      Reply
  54. Pranab

    My card was processed on first call to CC. The executive asked me, if I require add-on card which I gave my nod. But only the primary card was delivered an week ago. Today I received the add-on card and it’s not Ace but Flipkart!!
    Also, I’m still confused if the credit limits are shared or not. Available balance on post-transaction messages & on netbanking clearly indicates it’s separate limit, not shared.
    Is there any digital way to generate add-on card pin? Netbanking/mobile banking isn’t showing the card, so can’t be generated there.

    Reply
    1. Ankit Malhotra

      Pranab,

      To generate ATM pin for add on card 18004190065. Choose Language(1 for English). Choose 1 for generating pin. Choose 1 for card pin. Choose 2 for Credit Card. Choose 1 for generating Activation Code. Enter AddOn Card No. Enter AddOn Card Expiry as MMYY . Enter AddOn Card DoB as DDMMYYYY. Enter 10 digit mobile no. (in my case it was primary holder (wife) no as my(AddON) no is apparently not registered with bank as seen in 2. below.) If all details are correct Activation Code will be sent. If there is lag in receiving Activation Code, then call again using the same flow and then choosing 2 for using existing Activation Code(valid for 3 hours).

      1.) Did Axis Bank ask you for documents for Add-On Card holder. I am asking because, I had add-on card on my name through Wife Primary FlipKart Card. While applying for Ace Card(on Wife FlipKart), add-on for me was also delivered without any documentation, which I believe was processed as part of FlipKart Add-On documentation.
      2.) Do you get OTP for any Axis Add-On cards, as I used to get OTPs on my mobile(correct behaviour), they then started coming on Wife Card (Primary Holder), and now I get error on using AddOn card online stating Mobile Number is not updated for card.

      I am unable to use AddOn Card online as OTP generation fails stating mobile number is not updated with Bank. Even MasterCard SecureCode/Verified by Visa registration fails for Axis AddOn card.

      Reply
  55. Rishabh

    Now anyone can apply for the card directly from Axis Bank website. New application process launched. Select the card and apply. No need to wait for banner to display in google pay.

    Reply
    1. Joyce

      Sure, there is a option to apply for the ACE card from bank website. But how do add it to your existing Google Pay account on the phone? I haven’t seen a single person whose GPay allows adding card, be it debit or credit. The USP of this card being unlimited 5% cashback on Gpay would seem pointless if you can’t add to GPay.

      Reply
      1. Rishabh

        Am not sure if Google Pay Rolled out the feature of adding Credit card to all or not. I had got the option last month and successfully added VISA credit cards from SBI/KOTAK/Axis.

        Go to payment options and last option is to Add Card

        Reply
      2. Nitish

        There Is Trick i Used to Get That Option .
        First Turn On NFC On Your Phone.
        Then Open Google Pay App . I Think This Way The Google Pay Pay Comes To Know That Use Device Hve NFC in The Shows You The Option .

        Reply
  56. Aditya

    Does this card truly gives flat 5% cashback on utility bill payments? Currently, every month I pay my single electricity bill of around 4 lakh using hdfc diners black cc. Will use this card if it gives flat 5% cashback without any upper limit. Please confirm.

    Reply
    1. Kiran

      You can’t pay 4 lac at a time. The maximum one time payment that is possible is 1 lac.

      My card statements has not been generated. Can know about the cash back only after the statement generation.

      Cheers,
      Kiran

      Reply
    2. Kiran

      Received my ACE statement today, very transparent they have mentioned the cash back against the each transaction which was made and very detailed statement.

      5% on utility yes and rest all 2% CB have been mentioned in the statement.

      Insurance payment through amazon pay has fetched me 2% CB.

      Hope this helps.

      Cheers,
      Kiran

      Reply
      1. Saurav Das

        Hey Kiran, Did you receive the message “You are eligible for 2/4/5% cashback on your last transaction” for each transaction? I did not receive any such message for 2 transactions on Tanishq Golden Harvest done online and was wondering whether I would get the cashback.

        Reply
      2. Bharat Kohli

        I am not able to pay electricity bill through axis ace credit card on Google pay. I am not seeing an option to select it. It always says card not supported. My other SBI card is also showing same message when I tried to pay electricity bill. I guess we can’t use credit cards while paying electricity bills on Google pay. Is any one else facing this issue too?

        Reply
        1. Sheikh Azharuddin

          How to apply for this card if you have no relation with axis bank? I mean I applied for few cards in the past from axis bank but they rejected

          Reply
  57. SAMEERTEZ

    Sid, need a suggestion whether to continue with Axis Privilege Card or upgrade to Ace card considering future upgrade benefits. Axis CC didn’t allow me for shared Limit between both cards.

    Reply
    1. Ankur

      You can switch to Ace. Its a better overall day to day card compared to Privilege.

      Reply
      1. SAMEERTEZ

        Thanks for suggestion. But, I hv doubt being “Privilege” a premium card, whether I will loose upgrade offers in future compared to ACE card. Bcoz, Ace is a visa co-branded whereas Privilege is a Axis bank direct card.

        Reply
  58. DEV ASHIS

    Now anyone can apply for the card directly from Axis Bank website. New application process launched. Select the card and apply.

    Reply
  59. Shivanand Bewoor

    Hi sid. This is very useful /beautiful platform to share knowledge. KUDOS! 1) I m an police inspector in Karnataka state/ Bangalore. I applied through branch and then through their CC verification team for ace CC, a week ago. Now received msg cc is declined for internal …… I was earlier (fm 2006 to 2012) using icici platinum cc . From 2013 to 2018=used SBI gold card. Then sbi issued me sbi simply save card without my request. I m happy with that. Many times they told me to increase my spending limit/upgrade CC. I have been declining. I don’t know advantage of increasing and worried of misuse by fraudsters. Please inform the advantage. I have never defaulted on dues. CIBIL score is above 700. Then why declined?
    2) I hav salary ac with Axis for last 9 years with good history. But only problem may be , one REGALIA cc was issued by HDFC on my name 2 years ago, which I never received. I requested to cancel annual fees.Now bank is telling they will do needful. But not cancelling it, simply promising.what to do?
    3) Does bouncing of cheque of Rs 1000/- within my own/self acs affect CIBIL score? It was my small mistake recently and unknowingly. please guide me.

    Reply
    1. Siddharth Post author

      1 & 2: please check your CIBIL report to see what’s happening with Regalia. It may be the cause. Otherwise, banks usually hesitate to issue credit cards for select jobs like Lawyer, Police and a few more.
      3. No.

      Reply
  60. Nikhil Dhavale

    I dont see option to add this card to android phone so that i can pay

    Reply
    1. jitendra saraogi

      Previously i have added and paid but now do not see any option again? So please advice.

      Reply
  61. Saurav Das

    Has anyone tried NPS payment using this card? Is the 2% cashback applicable there too and will the spend be counted towards annual fee waiver?

    Reply
  62. Shashidhar

    Has anyone tried NPS payment through this ACE card?? Whats the message they have received

    Reply
    1. Captain Bishuddha Bharatiya

      Yesterday I used Ace card in NPS and received sms immediately that I am eligible for 2% cashback.

      Reply
    1. B podder

      Yes that’s the only problem with the card
      No insurance payments are supported yet tweeted them about it awaiting for reply

      Reply
    2. mahendra

      Now its allowed. however, i got only 2% cash back instead of 5%

      Reply
  63. Pranab

    The cashback calculations on this card is little different from Flipkart card. Cashbacks awarded to nearest Rupee.
    For Rs 336 & 430 transactions, I got Rs 7 & 9 respectively.
    Also, this is to confirm that my two Axis cards limit aren’t shared, both are standalone limits.

    Reply
  64. RM

    I received the Axis Ace card today. Timeline of events is as follows:

    9th Nov – I applied online in the Axis website around 9am. At around 4pm received a call saying that an agent will come shortly to collect documents. I was told Card to Card basis will be faster so I decided to submit last two months HDFC Infinia statement. At around 6pm, agent came took photograph on tablet and filled up all the details. I cross checked whatever he filled thoroughly. Did an aadhar biometric verification and took the Infinia statements.

    17th Nov – Received an SMS stating that the card is approved and will be shipped soon.

    19th Nov – Received the card around noon with a CL which is around 15% of the Infinia limit. Tried to set up the card online but couldn’t as there was no customer ID in the welcome kit. I don’t have any other relation with AXIS. Tried the method stated in the welcome kit to get the Customer ID by sending an SMS to 56161600 but the message delivery kept failing. Eventually called customer care and was able to ser up the pin through IVR. However online log in was not working due to some technical issue. I got the customer ID through phone banking and was eventually able to log in with the AXIS mobile app around 3pm.

    Overall the card has a nice design and is NFC enabled for transactions less than 2000₹. Looking forward to trying it out in the next few months. This is my first AXIS bank credit card.

    Reply
    1. Parvesh Goyal

      I had applied Ace as my first Axis Bank Credit Card on 6th Nov. on card to card basis and gave statements of my DCB for 2 months. Got verification call on 19th Nov and address verification call on 20th. As I haven’t any card from Axis Bank, I don’t know the practice of issuing card by Axis. Can anybody tell that will I be getting the card if both verifications have done? Thanks in advance..

      Reply
    2. Pramtesh

      Even I have received 15%lmt of my DCB.
      NetBanking is not available for only Credit Card holders. As i have confirmed by several Customer care agents.
      I don’t know why they have given options for CUSTIDCC.

      Reply
  65. amitabh maheshwari

    At present Google Pay does not allow payment through debit or credit card on iOS platform. But I am still going for this card as 2 % cash back is also very good, it is 4 % on select merchants like Ola, Swiggy and Zomato, and also at some point Google will allow the service on iOS too I guess. All transactions which I will not do on AMEX cards ( upto 1.50 lakhs on MRCC and Uber & Flipkart on smart earn ), HDFC Regalia ( only flights and hotels through smartbuy ) or ICICI Amazon pay ( only purchases from Amazon ) , I will do from Axis Bank Ace Card.

    Reply
  66. KMS Rao

    Hi Siddharth & friends,
    Even small vendors like vegetable sellers/Small shops/Laundry in rural areas are accepting payments by QR code scan ( incl QRs of Phone pe/Amazon pay) and we are able to pay these vendors thorugh Google pay by scanning their QR code. Can we make these payments by Ace card instead of UPI through google pay. Is it possible to use Ace card for such payments.
    I think another memeber (MAA-Traveller) also has asked about this.
    Please reply

    Reply
    1. MAA-traveler

      @ KMS Rao,
      This was my question too and it seems can be possible with some restriction and condition. Also iOS based Google Pay doesn’t allow credit card.

      The moment iOS based credit card is accepted in Google Pay and can be used for QR codes (which are UPI), I’ll apply for this card. 😀

      Reply
    2. Richard John

      Payment by credit cards are only supported by BharatQR codes. Most of the QR codes displayed by merchants are UPI ones and payment can be made only throught UPI.

      Reply
  67. Jayesh

    If we have flipkart and ace credit cards for same account… Do we need to spend separately 2 LAKHS to wave off annual fees

    Reply
  68. Shivanand Bewoor

    Now Axis has started FREECHARGE ace card. My Mrs has received invitation to apply in FreeCharge app.,as she has Axis Bank account. What r features and benefits of this card?

    Reply
  69. Ajai Singh

    The card is not working for Netflix payment. I have tried updating the credit card payment information on Netflix also tried creating a new account with the credentials of the card but it always gives a error.

    Have gone back to using my Amex Reserve but hardly gives any benefits. Thinking about getting smart earn Amex card as well for this and other streaming services but not sure if it could give any benefits.

    Which car do you all recommend for streaming services payments?

    Reply
    1. MT

      Is your intl transactions enabled ? Netflix is considered intl merchant by some card companies

      Reply
      1. Anurag

        k I think I found the issue ace card is registered as a debit card in visa so Netflix doesn’t work with a debit card?

        Reply
  70. Mohit

    I got my Flipkart axis bank card. Then Ace card launched. I tempted to apply for that so I did from axis bank website but before that I called customer care several time unsuccessful attempt. Applied through site called the person who came earlier for Flipkart card. Took my documents. After one week it got rejected then called customer care they told you can get Ace on basis of flipkart that’s too after three months lapses to flipkart card. So I will try after three months in February 2021

    Reply
    1. Anurag

      yes exactly after 3months I called they dispatch ace for me. Axis customer care is very good

      Reply
  71. Mohan

    I have added the card on Google Pay but cannot seem to make any payment through it. My already added bank account is marked as “Primary”. I removed the bank account thinking the card will by default become primary mode of payment, but along with that the UPI ID also got removed. Some online links say the card needs activation on GPay but I cannot see any such option. Please help.

    Reply
  72. amitabh maheshwari

    Received my Axis Bank Ace credit card today. I do not have an account with Axis and I did not have to submit any income proof either. I just submitted the latest statement of my HDFC Regalia which has a credit limit of Rs 6.85 lakhs. I applied the card online. As I got it before 31st December, there is no joining fee and in addition there will be 5 % cash back on Groffers and Big Basket too. Limit given is only Rs 1.50 lakhs but it is enough as I have other good cards too.

    Reply
    1. Saurav Das

      Hello, I also do not have a axis bank account and got my ace credit card. But, I am unable to access the controls on Axis mobile app and my customer ID is also disabled, thus preventing me from accessing internet banking too. Are you facing any similar issues?

      Reply
      1. Sandeep

        Well you can download the axis mobile app. Login in app after registering and you can see your login ID/customer ID in card details. But first activate your card by calling the customer care no.

        Reply
      2. ravi

        Same issue iam also facing. Sent sevaral SMS to AXIS bank as mentioned in the welcome letter. Reply SMS form bank states ” keyword entered is invalid. Tried registering for online banking with mobile. Again invalid mobile message props up.

        Mobile app states, validate CC details. After entering card details app states, credit card does not belong to AXIS bank

        Reply
      3. Mahendra G

        Hi Saurav,

        Even I faced same issue. I setup PIN using IVR. But insuspected some problem with IVR. So again I setup PIN using ATM. The app started working. Please try to setup PIN using ATM.

        Reply
  73. Gaurav Chauhan

    Is 5% cashback applicable on insurance premium payments also on google pay ??

    Reply
    1. Abhinav

      Hi gaurav,how much cashback are we getting for insurance payment thru ace credit card

      Reply
  74. SAMEERTEZ

    Today, requested axis cse to allow switch my 3months old privilege card to Ace card, he told “ur privilege card can’t be upgraded/swap to Ace, but additionally ace can be applied on the basis of privilege. I can see U are eligible for additional card also”. So, I requested him to place a request as per his suggestion and got a SR no.. It will be delivered in 14 days. After ace card arrival, my total count will be 3 cards including Flipkart card.

    Reply
    1. Bhavin Shah

      Similar experience. While many are not happy with Axis Customer Care, I have had no problems so far

      Reply
      1. Saurav Das

        Yeah. I reset my PIN again at an ATM (2nd time) and it started working

        Reply
  75. Parvesh Goyal

    I have been issued Axis Ace Credit Card with decent credit limit but 20% of my existing Diners Club Black Credit card. As Ace card is with unlimited cashback, can v earn edge reward points by spending on Ace card? Thanx in advance..

    Reply
    1. balaji

      I don’t have ACE but I guess we can. Wait for a week and check your edge rewards page . Let us know if they reward.

      Reply
  76. Saurav Das

    Are we supposed to received the “You are eligible for 2% cashback for your last transaction” message on your last spend. I did 2 Tanishq Golden harvest transactions of a significant amount and did not get the message for any of them. Any idea whether the 2% cashback will be given then?

    Reply
    1. AMITABH MAHESHWARI

      Sometimes messages are received a bit late too. Rest you can ask the customer care or wait for the statement to come.

      Reply
    2. Meher Shiva

      Hi Saurav, I too didn’t receive the message for the same after buying for gold. Can you confirm if you received it finally or not in the bill?

      Reply
  77. Shreyans Sethia

    LIke ICICI Amazon Pay Card Block the card for the user spending heavily on amazon like in a billing cycle if we use az icici pay card for more than 2 lakhs on amazon they will block the card permanently . Stating card is used for commercial usage
    Similarly is there any possibility with Axis Ace card if we use too much on google pay for electricity bills for getting 5% cashback will they also block the card.

    Reply
  78. Shubham

    Only cons from my experience on this card :

    1. There is a confusion with axis support team on gold purchases for this card. I did a 50k plus transaction recently and did not receive the ‘2% eligibility cashback message’. Checked with customer care multiple times, some say gold is included others decline.
    The TnC does not mention gold purchases anywhere under exclusions (only fuel, emi and wallet load transactions). Most probably they missed out on mentioning the same under TnC. Rest will see in statement if 2% is mentioned against this transaction.

    2. One cannot change billing cycle on this card which I found quite surprising.
    3. They have given quite low limit (75k) as compared to my other cards (5L in one, 3L in another). Now I have to wait for 6 months to request credit limit enhancement.
    4. The axis customer service number is not toll free. The guys are clueless and this wastes a lot of talktime with no fruitful resolution.

    Apart from these the card is wonderful especially for no cap on utility bills. Hope this remains for longer time.

    Reply
      1. Mahendra G

        Hi Arpit,

        Recently, I got this card. My statement generation date is 15th. Last date to pay is either 4th or 5th depends on number of days in month.

        Reply
    1. varun arya

      hi, did you get the 2% cash back on the gold purchase.
      please update, as i intend to buy some gold using this card.
      please update.

      Reply
      1. Mohan

        Can you guys confirm whether you got 2% cashback for gold purchase?

        Reply
        1. Vikas

          +1, can anyone confirm if 2% cashback is applicable for Gold Purchase ?

          Reply
          1. Meher Shiva Tadepalli

            Hi, I received a cashback of 2% with my ACE card on purchase in a branded jewelry shop.

          2. Vikas

            Thanks Maher for confirming. I did two gold transactions from two stores (one was branded) but haven’t received the cashback message.

            I raised the ticket with the support team using twitter and it has been more than 10 days and they are yet to resolve it.

            Will keep this group posted once I find a resolution.

          3. Vikas

            To confirm, I received cashback on gold purchases in my statement. Even though I had not received the Cashback eligibility messages.

  79. Shreyans Sethia

    LIke ICICI Amazon Pay Card Block the card for the user spending heavily on amazon like in a billing cycle if we use az icici pay card for more than 2 lakhs on amazon they will block the card permanently . Stating card is used for commercial usage
    Similarly is there any possibility with Axis Ace card if we use too much on google pay for electricity bills for getting 5% cashback will they also block the card. yes or no

    Reply
    1. nandha kumar

      Yes.dont use too much electricity bill and bulk amount

      Reply
  80. DV

    I’ve had a really bad time with the Axis application process:

    – First up, the representative who came by to collect documents messed up, he had to come again
    – Once he took the documents again, they sent him back because, according to them, I gave a “digital e-pan”, which they don’t source. I’m not sure why they call it that, because it was a physical copy. It turns out that they don’t seem to be able to accept newer PAN cards (the ones with barcodes).
    – So, they said that they can take my DL copy (I asked him to just take it in the first step itself, but he refused). He took that well, but apparently the core team still didn’t like it because the “=signature wasn’t clear enough”.

    I got fed up of all the time taken; I applied just when the card came up on their website and here; it took them more than 1.5 months and it still didn’t get resolved. Huge gaps of time between new statuses.

    Have a decently high salary and credit score. Oh well, their loss.

    Reply
  81. Bharat Kohli

    Seems like on ola we don’t have unlimited cash back of 4%. After 10k spend on OLA cash back reduces it 2 %.

    Reply
    1. balaji

      This makes me wonder about the utility bills. Do they change it to 2% once it reaches certain threshold.

      Reply
      1. Bharat Kohli

        I didn’t get messages of cash back on ola after 10k spends so seems either no cash back or default rate of 2% would be applicable after that. I guess 2% would be given though not 100% sure. Will update once I get cash back.

        Reply
  82. AbhiKohli

    Axis is such a difficult bank to deal with, I wonder why RBI never took any action on these guys instead of HDFC. They really have no proper way of doing things and accountability. Many time I got my account’s address change request rejected without any explanation. I ensured every coma, fullstop etc everything is same what I have in the document still they reject without any reason.
    Recently I applied for ACE Cc (was a challenge in itself) but after application once the documents collection/biometric verification was done. They are just sitting on it. Not even received an ref ID (only received an 20 digit application ID using which no one gets any information.) Phone support is best you can get in this wold. Thrice they just hung on me (put my call back into IVR que) since they have no update. Worst BANK to deal with, be cautious. (This is when I am Priority customer, I wonder if non-pri can get any better or worst treatment.)

    Reply
    1. Arjun

      Similar thing happened with me. No communication from their side after documents collection and biometric verification. Just the application ID. And it’s been a week!

      Reply
    2. Saurabh

      Same here. Visited branch to update my address as customer care didn’t help. Even after branch visit, updated address was reflecting in my app but not on customer care end. Finally I applied for this card from their website as a new customer and application has now been submitted.

      Reply
    3. abhishek

      I called the credit card helpline and the guy there told me I’m eligible for one more card ( ACE ) and he processed my application in 5 min, i received my card in 7 days and I’m using it for the last 1 month without any problem.

      Reply
  83. Pramtesh

    Has anyone paid policy premium from Ace card via Gpay and have received 5% cb?
    I have a policy to pay of 15k, will I get Rs.750 as cb?

    Reply
  84. Bhavya

    Can anybody confirm the cashback rate that is posted for insurance premium payment on Google pay.

    Reply
  85. The Conscience

    Hi all
    I need to pay 28000 electricity bill using ace credit Card. I’m skeptical if there is some restrictions or they will block it. If anyone knows or experience then please share. Like amazon pay doesn’t support utility above 25000. What’s the restriction of Google pay.

    Reply
    1. Amann

      Google pay limit is 1 lac for a single transaction (card and upi). You will get the unrestricted 5% cashback in next statement 3 days prior to statement date.

      Happy New Year everyone

      Reply
    2. Ankur S

      One of case maybe ok. But if you are doing this every month, then you will on the radar as household electricity bill this high will not be the case. T&c clearly mentions on fare usage.

      Reply
        1. Ankur S

          That will be decided by banks algorithm.

          But the idea is, as previously we have seen banks taking away points, closing cards etc. for using the cards for business kind of usage, so just go about with normal usage patterns.

          Reply
        2. Kiran

          Only using it for your personal use and not exploiting the benefits.

          Reply
          1. MT

            make the payment , if they block you , send them a copy of the bill showing that it was for personal use and not a business account you paid the bill for

      1. Shivi

        30K domestic electricity bill ain’t high enough to trigger an alert. That’s our average.

        Reply
  86. B SURESH

    What is the time limit to repayment to credict cardIf I spent through Axis ace card

    Reply
  87. Parimal

    Please help if someone has similar experience,

    (in short not receiving net secure code for reset password)

    1. i was axis saving account holder about 8 years ago, i closed all relation with axis at that time.
    2. recently applied axis ace credit card, approved and received 7 days ago.
    3. retrieved customer id by sending sms to bank as per details in welcome letter.
    4.received customer id which was issued to me 8 years ago for saving account.
    5. trying to register for net banking but it show error (already registered for net banking).
    6. trying to login using old password but its not working.
    7. trying to reset password using forgot password link, it ask customer id, then credit card details and atm pin,
    validated it all then it ask for net secure code, but code is not delivered to my registered number, tried resend many times, and also tried opt via call option, but otp call is also not coming.
    8. registered complaint with axis call center many times and they said otp is successfully sent from their system, always have to explain them about situation whenever calling them for help, tried all things told by them as clearing browser data, trying different pc, trying to insert sim in different phone etc. otp and alerts are successfully delivered to my number for credit card txn, but netsecure code for reset password is not coming by any means, also mobile banking app does not recognize my number as axis customer and it ask me to open ASAP account.
    9. i am stuck with credit card only which work as expected and i did few txn, but unable to see credit card txn because no access to netbanking/mobile app. branch visit is not useful, they always tell me to contact call center, please help

    Reply
    1. Siddharth Post author

      You’ve to “update the mobile number for netsecure code” by giving a request at branch. Have one of my family ac stuck at same issue as well. Poor tech with Axis indeed.

      Reply
      1. Parimal

        Thank you for fast response brother,

        branch said they cannot help me because they are unable to see my credit card linked with customer id, and they said my account was closed 8 years ago, so contact customer support over call for any help, i have struggled with branch officials 2 days then give up on branch support. will they accept number update for netsecure code over call center?

        Reply
    2. Fahim

      Try reset password early morning, u ll probably get the otp, even I faced that issue but when I tried resetting on a Sunday morning I received the otp and was able to reset my password.
      Also, use web to reset password instead of app.

      Reply
  88. Pramtesh

    Axis do not have NetBanking for only Credit Card holders.
    Thought Customer ID for CC is generated.
    But only Card holders can use.
    After installing the App. Instead of login you need to select NOT YOU.
    Than you can create a user ID and password

    Reply
    1. Parimal

      Dear Pramtesh,

      i have tried that too, when i click “not you” it sends a sms automatically, and then it ask me to open new ASAP account or “i will do later”, when i click “i will do later” it brings me to login page again, i think it should ask me credit card details for validation but instead it ask me to open new axis account, it is not recognizing my number as axis credit card holder.

      Reply
      1. crazydude

        I talked to customer care, since the new user registration form giving an invalid user when I tried to create a new account. They must have done something at the back end because the error went away after a day.

        For the app, all I had to do was use the phone number / customer id and generate the mpin, if I remember correctly.

        Reply
  89. Murali

    I had AXIS Savings account in 2016 and closed the same. I had taken Flipkart creditcard in 2019. While issuing credit card, Bank had linked card to same customer id of SB account.
    When I login using customer id, i am able to see credit card.
    When I tried to use mobile banking app, it always give error that this facility not available for your customer id.

    I had changed mobile number of credit card to another number, then mobile banking starting working. (to change mobile number for credit card, you need to submit physical form at Bank Branch only).

    Any change in netbanking password, OTP comes to mobile linked to SB customer id (mobile number of customer id canot be changed as SB account closed, they suggested open new SB to change mobile number at customer id level)

    Send SMS to find which customer ids linked to your number
    CustID to 56161600 Gives you customer ID linked to your savings account ==> I got response as incorrect code
    CUSTIDCC XXXX (last 4 digits of CC) to 56161600 Gives you customer ID linked to your credit card (Standalone Cards customers) ==> I get the same customer id that is linked to SB (closed) and Credit Card

    In my view, AXIS BANK is still using age old systems for Internet Banking and Mobile Banking.

    Reply
    1. Parimal

      Thank you for detailed information Murali,

      I have same phone number which was linked to saving account, i got credit card on same number too, still NetBanking related otp are not coming, while credit card related otp and alerts are delivered fine, i have tried all NetBanking password which i used at time of savings account, none of those password is working now, i am trying to reset password and stuck at netsecure otp, even otp via call is not working, i had visited different branch to get issue fixed, manager finally accepted my number update form, he said i should update same number again, so i have given same number to reupdate, seems no one have processed request yet, or they are unable to do, i have rised complaint to nodal officer, axis is big waiting game, everything work so slow, it took 1 month to get my card after approval.

      Reply
      1. Parimal

        Update: finally able to reset password for NetBanking, have to rise complaint to principal nodal officer and even they ask screenshot of otp not received 😂, they are very slow but they did something at backend and it stopped asking netsecure code while trying to reset password, so today logged in successfully in NetBanking, while mobile app still doesn’t work and it does not recognise my number as axis Customer.

        Reply
  90. Dilip

    I was able to pay my max life insurance policy using ace credit card. However sms says transaction eligible for 5%. So it’s better to pay insurance premium at amazon with sbi simplyclick to fetch 2.5% cb

    Reply
  91. D

    Very impressed by this card’s monthly statement. Clearly denotes how much cashback you earned per transaction, and it handles returns, cancellations and early payments well. Gives a sum of how much cashback you earned, and when you’ll get it.

    Compare this to HDFC, where I just can’t figure out how they are giving me points. It seems to me that HDFC goes out of their way to make their reward points accrual as opaque as possible; in contrast the Ace statement is a breath of fresh air.

    Reply
    1. Meher Shiva Tadepalli

      Exactly. Very informative and has all the information on what a cardholder will expect.

      Reply
  92. J

    This card does not work in atomtech gateway. Once I enter the card number, it asks to enter valid domestic credit card. This is through Campuscare app. Does anyone have similar experience with atomtech.in gateway or any other gateway?

    Reply
  93. Bharat Gupta

    Any one faced issue paying rent through payzapp for registered id of red girraffe or txn initiated from no-broker. I tried few times on Feb 1 and txns were declined.
    Same card worked on payzapp for other txns.
    Would like to hear any solutions

    Reply
  94. Shivi

    @Rushad – On what basis are you comparing an entry level card with highest reward card? Is Infinia available for Rs. 500 and that too through an application?

    Reply
  95. AG

    Is there any way this card could be processed entirely online? I applied online, and a CIBIL enquiry was made, but on reading through the comments, it appears that we have to do an biometric aadhar authentication? Can this be done remotely?

    Reply
  96. Nandhakumar

    My ace card Is approved today with shared limit of my privilege creditcard

    Reply
  97. Mahendra G

    Hi all,

    LIC payments are allowed with credit card in Google pay.

    @Sid,

    This article tagged under news section instead of Axis cards. Could you please update category.

    Reply
    1. Bhavya

      @Mahendra G
      What is the cashback percentage for LIC payments through Google pay – 5% or 2% ?

      Reply
      1. Mahendra G

        Hi Bhavya,

        I got 2%. In terms and conditions, it is clearly mentioned for what categories we wil get 5%. Insurance payment not in the list

        Reply
  98. RB

    My Axis ACE application got rejected recently. I think the ITR was sufficient, but my current residence and work place are in different cities (WFH), which is probably the reason for rejection.
    Is there any point in taking it up with Axis? If yes, what is the best way?
    I do not have any other relationship with Axis.

    Reply
    1. RP

      @RB
      I had exact issue. My first application was rejected. Then I applied again with the old address. This was approved. I got the card details and added in the Google pay where I can pay all the bills and also at pos terminals with NFC.

      Reply
      1. balaji

        @RP If it is delivered to the old address how did you get the card details ?

        Reply
    2. balaji

      Is there any way to apply and get approved as my current address is different from the documented addresses due to WFH.

      Reply
  99. Ronak

    Hi Siddarth I would like to know if the amount spent on the add on card be included for the annual spend required for waiving off annual fee or does it have a separate annual spend requirement.

    Reply
    1. Vikas R

      I understand spend limit is shared. How about fees for renewal ? do we need to spend 2L each on Flipkart Axis Bank Credit Card and Ace Credit Card ?

      Amitabh mentioned that its 2L each. Can someone please clarify ?

      Reply
  100. Nandhakumar

    @sid I need clarification
    Yesterday my statement was generated and no cashback is mention anywhere.how cashback is available.hoe to check
    How much time to take credit to cashback

    Reply
    1. Kiran

      Cash back gets credited 1 day prior to statement generation date.

      You should be able to view the same in your app or net banking on the credit received.

      Hope this helps.

      Cheers,
      Kiran

      Reply
    2. Shimul

      ACE card statement should have “CASHBACK DETAILS”.
      There you will see “Cashback Earned”
      Cashback will be credited before the next statement generation.

      Reply
  101. Saurav Das

    What is the exact process to apply for add-on ACE card? Any online process available?

    Reply
    1. Siddharth Post author

      Easy if applied along with the card. Else, its worse than applying a new card – offline.

      Reply
  102. Nandhakumar

    Anyone know the add-on card also got same cashback same as primary card

    Reply
  103. Vikram

    IMPORTANT: I just found something regarding cashback for transactions on GPay using this card. Most of the spends gather 5% cashback, including EB bills. But property tax payment got me only 2% cashback on GPay. It was categorized as GPay Govt and looks like will be eligible only for the default 2%. So I won’t pay property taxes on GPa anymore as there are other cards that I can use to pay property tax and earn a greater value.

    Reply
    1. SHUBHAM VELANI

      Which Card gives best benefit for property Tax Payments?

      Reply
      1. MT

        I got 2% cashback this year on axis ace , and 3.3% valueback on my scb ultimate last year … hvent tried infinia as they will likely term it as utility and give nothing

        Reply
    2. SS

      Hi Vikram,
      can you plz tell which cards can get a return of more than 2% on property tax?

      Reply
  104. Bixapathi

    Hi,
    Does Axis bank has Credit Card only login facility for people having only relationship with bank in the form of credit card?
    I have received my Ace credit card today. Logged in to axis mobile app but when trying to register as First Time User Registration on net banking with the cust ID or mobile number, it says Invalid User Credentials. So unable to access the online banking.
    Anybody has idea regarding this or have any prior experience? Please share the way forward.
    Thanks

    Reply
    1. Mahendra G

      Hi Bixapathi,

      Everyone facing same issue when you don’t have savings account. You need to either call customer care number or chat in the website and ask them to rectify the issue for your login. They will correct the problem. Even I followed same and issue resolved for me.

      Reply
      1. Bixapathi

        Thank you Mahendra,
        As you suggested, Just now had a chat with CC. They said, they will look in to the issue and given a service request number.
        Will wait till tomorrow.
        Thanks.

        Reply
      2. Bixapathi

        Update: Just now received message that the issue has been resolved. Now I have logged in with the customer ID and it went through and I am able to access net banking.

        For the use of others the following is the summary of events to be done after receiving the card (who hold only Credit card with axis bank and no other relationship) :
        1, Call customer care number and ask them to activate. This is needed before doing anything with the card because without this it cannot be added to gpay app also.
        2, Download axis mobile app and register as a new user and enter details of your CC.
        3, You can see customer ID in CC details section (alternatively you can also send sms CustIDCC XXXX to 56161600 to get your customer ID where XXXX being the last 4 digits of your card)
        4, You need to contact customer care again through call or chat to activate your customer ID. They might give a service request number regarding this.
        5, After you receive the message that your service request is successfully resolved, you can now register as a new user with the customer ID on axis bank net banking.
        Thanks.

        Reply
  105. Bixapathi

    Anybody here who have applied for the ace credit card in March/April 2021 and got it approved and made the first transaction?

    Reply
    1. ashwani

      Yes I did. Card got approved and delivered superfast. Expecting statement in a day or two. Summary page on APP doesn’t show any cashback.

      Reply
  106. PRAMTESH

    I am non account holder. Whenever the App is updated , I have to register the card each time. Is is common? Anyone else facing such issues?

    Reply
  107. PRAMTESH

    Has anyone paid HDFC life premium and has received 5% cb?

    Reply
    1. Mahendra G

      Hi Pramtesh,

      For insurance payments you will get default cashback that is 2% even if you pay via gpay. It mentioned in terms and conditions too

      Reply
  108. PRAMTESH

    Thank you Mahendra G
    I wanted to know which card gives best benifit for insurance.

    Reply
    1. Mahendra g

      Hi PRAMTESH,

      Earlier SBI prime gives 5%. But it has limit now. May be hdfc dinners black and infinia gives better rewards.

      Reply
      1. PRAMTESH

        Hi Mahendra G.
        I have received Infinia last month.
        Earlier I had Register&Pay service later I switched to Smartpay.
        Smartpay doesn’t provide rewards points now

        Reply
  109. SS

    Hi
    Due to system upgrade at axis bank end, I received my ace cc statement late today and found out that last 5 transactions was calculated flat 2% , instead of 4 or 5 %.Anyone else facing this issue?
    Impacted merchant are gpay and swiggy
    BR//
    SS

    Reply
    1. Meher Shiva Tadepalli

      Hi SS did you check with customer care about this?

      Reply
    2. Ravi

      I too faced. As per Customer care there is a technical issue. It will be rectified and correct cash back will be credited next month as per schedule

      Reply
    3. Amann

      Yes. They are saying dont go by amount earned and see that the cashback amount credited should be correct. If not call up again after next statement generation.

      Reply
      1. Meher Tadepalli

        Hi, I haven’t received the right Cashback. It’s the same as what is quoted incorrectly in the last statement. What about you?

        Reply
  110. Anubhav Gupta

    Has anyone tried to use this card for a POS transaction using tap and pay option over Google pay. Does such a transaction accrues 5% Cash back.?

    Reply
  111. nandha kumar

    Anyone know tel me
    If I can pay 175000 ebbill in gpay via ace card
    If any prblm for paying huge amount

    Reply
    1. Kiran

      You cant pay any bill more than 1 lac on google pay, doing it for commercial use might end up blocking of your card.

      Cheers,
      Kiran

      Reply
    2. Amann

      Gpay will not allow you to pay over Rs. 1 lac in a single transaction as that is the limit with UPI and stupidly applied to card payments as well.

      Reply
  112. Sumit Joshi

    I tried to apply online via axis bank portal today. However, after punching in basic details the portal says “can’t process your application further”. Now am clueless how to proceed further! Has anyone faced a similar issue. What are the alternatives that I have? I would not prefer visiting a branch till this corona mayhem settles down. Thanks

    Reply
  113. SS

    Hi Meher,
    I checked with cc but did not get any fruitful answer. Later drop mail and as per replay, there is a issue at axis end will rectify in next bill and correct cashback also adjusted at that time.

    BR//
    Sourav

    Reply
    1. Meher Shiva Tadepalli

      I have received incorrect cashback again for transactions made between 15th May to 18th May. Is it the same with you this time as well?

      Reply
  114. Meher Tadepalli

    Thank you for your reply. I too checked today and got the same response. Hope they adjust in the next cycle as promised.

    Reply
    1. SS

      Cashback different has been credited as additional cachback for may21

      Reply
  115. ka

    is it possible to pay rent and avail 5% cashback on cc via gpay?

    Reply
  116. balaji

    Due to WFH I am working from a location that is not registered with the bank.Can this be delivered to this native home address without updating it in bank records?

    Reply
    1. Chaitanya

      Do you have the proof of residence for the house? And are you currently staying there? Axis bank still requires physical verification of address before they issue credit card. It could be different if you already have a relationship with Axis.

      Reply
    2. PRAMTESH

      Hi Balaji

      All bank delivers the card only to mailling address or non mailling address ( both registered in bank records)
      But as an exception the Bank can send the card to the nearest branch of your current location.

      So call the bank and inform them to send the card to the Branch nearby you.

      Reply
  117. Karthi

    Recently applied for ace card they said cannot process card at this juncture eventhough have a axis savings account . some say v need to have relationship with bank atleast 3 months b4 applying got any card

    Does any1 face these issues like this?

    Reply
    1. Mahendra G

      Hi Karthi,

      I don’t think that is correct. I don’t have any relationship with Axis and I got card. Try to apply card on card basis. You may get the card.

      Reply
      1. Karthi

        I applied card to card only said cannot process at this juncture

        Reply
  118. PRAMTESH

    No relationship required.
    Can apply stand-alone card.

    Reply
  119. Niju

    I was trying to get hold of this card from the time it was released.
    I’am somehow being said since I have a Flipkart Axis Card and both the cards are same category I cannot upgrade or get this card as a separate one
    No clue as to why as there are many people whom I know has received both the cards without any issues.

    Reply
    1. SAMEERTEZ

      Try to get other axis second card as of now. After 3months of usage place a request for upgrade to Ace card. It will be done without disturbing flipkart card. Then, u will have both in ur profile as per ur wish.

      Reply
    2. VG

      Only condition is there should be gap of 3 months between 2 requests.
      I am holding both the cards with shared limit.

      Reply
    3. Saurabh

      Go to Axis website and apply for a new card.. like a new customer. Then you will get it.

      Reply
  120. Shuvam

    Do Axis bank credit cards have a shared limit? I’m confused, everytime I’ve asked the custom care executive they’ve replied by saying the cards share a limit. I possess a Flipkart and an Ace variant of the axis Bank credit cards and by the text message I receive post a spend it seems like they have their own assigned credit limit abd ain’t shared in between two.
    Could someone kindly confirm?
    Thanks

    Reply
      1. Shuvam

        Ahan, thanks a lot for confirming that.
        Also, I’ve just recently discovered CardExpert and it has already become my goto resource for anything and everything Credit Cards. Thanks for all the great articles and reviews.

        Reply
    1. chandu

      I have two cards from Axis, one with 4.0 L limit and other with 1.5 L limit !!!

      Reply
    2. manoj singh

      No it’s not shared in some cases. I have 3 Axis cards. 2 have shared limit and 1 have separate limit.

      Reply
  121. Mugunthan

    I have three axis bank credit cards. All three cards have separate limit.
    Flipkart and Myzone have same lower limit (not shared limit).
    Neo card have higher limit.

    ==
    Whereas with ICICI too, I have 3 cards.
    Platinum and HPCL share limit.
    Amazon have separate limit.

    Reply
  122. Prashant bhushan

    @Sid. Can we have a review of wellness creditcards like Axis Aura, Yes welness and others launched this year

    Reply
    1. Siddharth Post author

      These cards are not worthy yet but will try to cover sometime later.

      Reply
  123. Fahad Memon

    Hi Siddharth. Now there is some issue with ace cards. The gpay cashback is not unlimited and they have a payment cap of max 10k or 20k per day for all utility bills. So you cannot pay big value bills.

    Reply
  124. Parames Mukherjee

    Hi All,
    I am a salaried employee and looking for a card which is best for normal offline transactions like medicine and medical treatment related bills, groceries bills from local stores etc. Could you please suggest which will be the best card for earning maximum rewards or cashback?
    N.B.- My monthly uses will be min 10K

    Reply
  125. Dileep

    Recently after checking my card statements i came to know that am not getting 5%cb on electricity bills
    Feeling cheated.

    Reply
  126. Mohit Jindal

    I was trying to do a transaction of Rs. 94k on google pay, but it was declined. I called customer care, they said (after being on call for over 30 minutes) that they have now capped the transaction limit at 10k for google pay.

    Reply
    1. Siddharth Post author

      Axis added this silly rule ~1.5 yrs ago that doesnt allow you to more than 10k txn on any wallet or wallet linked payment gateways.

      Reply
      1. Shreyansh Soni

        I madr an electricity bill payment of 14400 via ace card on gpay a few months back and it went through flawlessly
        I think they changed the upper limit from 10k

        Reply
  127. Ashwin ROW

    I applied for this card and got approved for it. I am on iPhone and no option to pay bills via card on the iPhone app so I wonder how I will benefit from the Google Pay CB. I guess I will use on my friends Android app. Axis ACE for offline payments and Indusind Pinnacle for online payments so I get net 2.5 or 2% CB in all cases except fuel or wallet etc. Thanks Sid for your ACE and Pinnacle posts. I’m almost at DCB black level with these cards.

    Reply
  128. Satish

    I do not see any option to add the credit cards (or any cards)in Google Pay app, when contacted to Gpay contact centre I was told that the feature is not yet rolled out to my account. I am an iOS user and using the application from few years.

    Is there anyone in the group in similar boat ? Any leads to add the card in google pay app ?

    I recently got this card approved and delivered and I can’t take the benefit of 5% cash back 🙂

    Reply
    1. Mahendra

      Hi Satish,

      Credit card payments not available for iOS user. Its available for Android only for now.

      Reply
    2. Satish

      Thank you Chaitanya and Mahendra, tried on the Android device and it works!!

      Reply
  129. Tejas

    If I add card to Gpay and use it with QR scan for daily usage, will I get 2% CB?

    Reply
    1. Gaurav Sakhardande

      Yes. But Google Pay credit card scan and pay is accepted only with BharatQR QR codes which are rare. Normal UPI QR codes won’t accept credit card payment.

      Reply
  130. Vikrant

    I have tried to add my card multiple times on google pay and it shows in my profile under payment methods but the card is greyed out there. Whenever I’m trying to pay any bill such as DTH recharge or fasttag payment google pay isn’t giving me and option to pay with my ACE card. Does anyone know any solution to this?

    Reply
  131. Darshdeep Singh Grewal

    Dear Friends
    I hold a priority account with Axis Bank. I am interested in Axis Bank Ace Credit Card but I was rejected by Axis Bank for Privilege Credit Card in July 2021. I have a IndusInd Iconia Amex approved in Jan 2021 and a HDFC Business Regalia approved on 31st Aug 2021 in my card portfolio. Can my RM help me in any way to get this card? Please explain me the process or trick if anyone can.

    Reply
  132. Deep

    After delaying for months I finally applied for Axis Ace card 2 days ago. But my bad luck that Axis has now stopped sourcing new Ace card.
    This notification was sent by the bank on evening 7th September 2021.

    The person who was handling my card application called me and said that we are putting your application on hold to avoid a CIBIL hit.
    Further she said there will be more clarity after 10 Sep for pre-approved applications or alternatively they can upgrade my MyZone card to Ace, but all of this will be clear after 10th September.

    If they upgrade MyZone to Ace, I will then apply for a LTF version of Select card.

    Thought this information might be helpful for you to create a new post.

    Reply
    1. Anirban

      I had the Vistara Axis card. I applied for an Axis Ace on the Axis Mobile credit card link on the 9th and it was approved on the app immediately with a shared limit. The last 4 digits of the card could be seen on the app the next day (16th Sept.).
      It also seems that the limit is shared or is the same value as the Vistara card, i.e. 150K.

      Reply
  133. Jairaj D

    Please some one clarify what is the percentage of cash back applicable for making Life Insurance Premium?

    Reply
    1. Mahendra

      It’s always 2% whether we pay from gpay or through other websites.

      It’s not comes under utilities. So we don’t get 5% when we pay through gpay

      Reply
    2. Rohit Bahl

      Hi Jairaj,
      From Gpay platform, it gives 5% for Recharges/bill payments but for Life Insurance Premium payments done through Gpay, the option to pay from the card is removed and it only shows UPI option. I tried making insurance payments for LIC recently and was unable to do through Gpay using ACE card.

      Reply
  134. SS

    Is anyone holding both ace and FreeCharge plus from axis ? If yes, share your experiences.

    Reply
  135. Anshuman

    Any advice how to utilise this card on google pay on ios devices. I know there is no option to add card on ios device but any hack you came across then please share.

    Reply
  136. Nikhil

    Hi Siddharth, do you have an idea whether Flipkart Ace cards 2% cashback is applicable on international transactions (online and offline)?

    Reply
    1. Anu

      Guess its for all transaction inc international. But when you use internationally you get charged 3.5 % + GST as exchange rate. In effect you end up losing 1.5% +GST.

      Reply
  137. Raja

    Got the ACE card last week. I was using iPhone 5S and could not find the Add Card under Payment Methods so I deleted and reinstalled the GooglePay app. After logging in, I still could not find the Cards option. But in this process, my linked Bank Account became inactive and had to re-activate. Interestingly, the GooglePay message said any iphone of 6 or lower is not supported and required IOS 13 or higher which means 6S or newer phones. So, trying to add the ACE Card, I now can’t use GooglePay on my iPhone anymore. I now switched my SIM Card to an Android phone and started using GooglePay and added the ACE Card successfully. Just to let all know that if anyone is using iPhone 6 or older, don’t uninstall your existing GooglePay app or else you can’t use it again.

    The 5% utility bill payment is Rs. 1 lakh per transaction. I am not sure of the card being cancelled as some of you mentioned earlier for being classified as commercial usage. If anyone had their cards cancelled, please update.

    My application was very smooth through Netbanking. It was already pre-approved as I have a Priority Account and a Privilege cc already. My Privilege cc limit is shared with the ACE Card, Got the card number on Netbanking in about 4 hours and the physical card in 3 days. Swiped 10k and got the joining fee reversed in 2 days after swipe.

    For insurance payments, I suggest use HDFC Credit/Debit card to purchase GYFTR AmazonPay voucher in Smart Buy for 5% cash back and use Amazon to pay for insurance. The purchase limit increased to 10k per card per month recently. You can buy vouchers every month and pay over time.

    Reply
    1. Raja

      Is any of your previlege or Ace card LTF? I am also priority customer and getting option to upgrade my LTF my zone to FYF privilege. I asked my RM to give me Ace card as LTF, but he told no special pricing available.

      Vistara card also seems nice for rent payment and insurance payments. Almost 5-6% value back on economy/premium economy tickets. Planning to apply for that one. Even if I don’t use it, around 2k (joining+gst+flight tax) will give a economy ticket even for 7 days later date.

      Also, do you how many max cards are allowed for one customer?

      Reply
      1. Rohit Bahl

        Hi Raja,
        I hold 2 credit cards with Axis bank:- Visa Signature with Lifestyle benefits card & ACE. First one is LTF for me, as it was offered to me as an invite but from a long time I am seeing an upgrade option to Axis Privilege but a paid one with Rs.1500 as joining & same as renewal fee. I checked with my RM and was informed that the Privilege & ACE cards doesn’t come with LTF but with spend based reversal option. Newly launched cards all come with Joining & Renewal fees as per the specific card options.

        Reply
      2. SS

        My privilege card was lifetime free, but I down grade it to myzone to avail the swiggy offer. The main benifit of privilege card is 2% value back if you redem on travel vouchers and only 1 travel voucher is redeemable at one tractions and on other offer is applicable for those tickets. In travel portals you always get that 1250 to 1500 rs offer. With too many restrictions and with missed offers the value back is less than 2%.ace is much better than privilege, give 2 to 5% value back.
        I am holding 3 axis card right now.so upper limit is 3 or more.

        Reply
  138. Anshuman

    I received my card last month and got my bill generated on 16th Nov 2021.
    While doing logging and checking out transaction I cannot find any cashback thing yet. And interesting part is that I have not received any credit card statement on my mail yet. Is there any other way I can find out about cashback?

    Reply
    1. Siddharth Post author

      They take about ~45 days from the date of txn to credit the cashback.

      Reply
    2. Chaitanya Mella

      Cashback is given before the next statement is generated. Axis sends the statement after 3 working days post the statement generation date.

      Reply
  139. Karthickeyan

    This is really a good card in market for cash back whereas other providers have a catch and it is transparent here

    Reply
    1. Anshuman

      Yes it is now my goto card. I prefer using this card over others. But the only drawback is that they have not provided me enough credit line on this card to expand my expenses. I think they have done it intentionally in order to restrict cashbacks.

      Reply
  140. ka

    is it possible to pay rent credit card and avail 5% cashback on that transaction on the gpay app?

    Reply
  141. Radha

    i received only 2% cashback on zomato last month. are you all also getting only 2% cashback now for zomato/swiggy?

    Reply
    1. Pramtesh

      Yes. Similar happened to me for Zomato in August. Had called on customer care,but no resolution. So had to send email. Even that took almost 2 months and i received the cashback in this month

      Reply
  142. Shraman

    I applied for Axis Ace card on 23/12/2021 through the Google pay offer and received the SMS containing the application number. On 24th, a guy from axis bank came and verified my pan card and aadhar card and processed the application. The same day at midnight I received a mail and message that my application has been approved and card details will follow shortly. However until 28th, there was no update and upon calling the customer care, they informed me that my application is still in processing and will take time before it is approved. Can anyone comment on the same, is it normal? What is the usual time line when applied through gpay?

    Reply
    1. Shraman

      Update: I received the card on 5th Jan 2022 but have been offered a paltry limit of just 15k. How can I increase this credit limit? Moreover, I was not aware that Axis Flipkart was being offered as LTF. Can I request customer care for the Flipkart Credit card?

      Reply
      1. Chaitanya

        Nothing can be done w.r.t to the card for at least three months. The limit can be revisited only after 6 months.

        Reply
  143. Sivaram

    Customer care is saying this card is on hold and not being issued. is that true?

    Reply
  144. Mohan

    I already hold this card. Called up the customer care and requested to issue the Flipkart one as LTF, but they didn’t budge. Was it being offered as LTF earlier?

    Reply
  145. Manikanta

    Some bad news…there will not be any more reward points for rent payments from March 15 2022

    Reply
  146. jitendra saraogi

    Not able to pay bills thru gpay since last 2 days.
    If anybody else also facing same issue.
    Pl help.

    Reply
    1. SS

      Yes. I am facing the sam issue. Wrote to axis Customer care. Below is the response …”Thank you for writing to Axis Bank. We understand your concern that you are unable to use ace credit card in Google pay application.
      We acknowledge the email shared by you with us. Moreover, we understand your concern and its our duty to fill our customer wish.
      We regret the inconvenience caused to you and we will be happy to assist you.
      We have acknowledged the attachments shared by you. We would like to inform you that due to technical issue you are not able to add your credit card in google pay application. Our team is working with google pay and visa team for the same.”

      Reply
  147. Gowrish

    I too am unable to pay bills on Gpay via Axis Ace. Post entering the OTP, it fails. Any idea what’s the issue? Axis CC has pathetic customer service. Any known issue aren’t proactively communicated.

    Reply
    1. Chaitanya

      Is the issue with utility bill payments? Because I was able to scan a bharat QR code on Gpay and pay using the Ace card on Sunday.

      Reply
    2. SS

      I am facing the same issue. I write to axis customer care via mail with failed transactions list screenshot from gpay. Got the reply as there are ongoing issue between gpay and axis. They are woking on that to solve.

      Reply
  148. Meher Tadepalli

    I too face a similar issue. Please post if the Gpay starts working with the ACE card.

    Reply
    1. SS

      As of 15th Feb, paying bill from gpay via axis ace is failing post submitting OTP.

      Reply
      1. SS

        As of 17th Feb. I am able pay utility bills in via gay using ace card. Paid postpaid and electricity bill.

        Reply
  149. PRAMTESH

    Already have ACE and applied for Myzone LTF via online.
    Got approved 3 times more limit than ACE.
    Only biomatric was done.

    Reply
  150. PRAMTESH

    Spoke to Gpay and Axis ACE customer care regarding the failed transaction.

    They said it’s issue with only ACE card since 3 weeks.

    Reply
  151. jitendra saraogi

    Axis ace again started payment thru gpay andriod.
    May be some technical glitch in between.

    Reply
  152. Rohit Bahl

    Hi Jitendra,
    Axis was making changes in the card features. From 15th March onwards, no cashback will be awarded on Rent Payments. Almost, all the cards are now excluding rent payments for reward points or cashback calculation.

    Reply
    1. ka

      do any cards still include rent payment transactions for annual/target spends?

      Reply
  153. Saiyam

    Unable to pay electricity bill of Rs. 46000/- through gpay. It says BANK TRANSACTION LIMIT exceeds.
    Is there any limit on electricity bill payment?

    Reply
  154. balaji

    1. If I pay 4 electricity bills of about 1000 INR each, broadband bills of about 800 INR each with ACE, will it be considered fair usage? or there any restrictions on it?

    2. The 5% cashback on the utility bills is valid only payment thru gpay? Lets say if I pay thru other apps or websites, how much cashback is granted?

    3. Is there any limit on number of utility bills one can pay thru gpay?

    4. what is the best way (in terms of credit line or welcome offers) to apply ACE for an existing Axisbank priority customer? thru axis app/site or gpay or bankbazaar ?

    Reply
  155. Rajesh

    Is this card still being issued? I asked for it but was told it has been stopped.

    Reply
    1. balaji

      I applied thru gpay and it got approved in 2 hours. The physical card is about to be delivered in a week. The credit limit is 1.7+L . Even though I am an axis bank customer for the past 5 years I could not apply it thru the bank website .. it kept complaining cust details not available.

      Reply
      1. Rajesh

        Doesn’t show up in Google Pay for me, and Axis staff seem to be adamant that it’s not being issued. I REALLY wanted this one card. :c

        Reply
  156. Anshuman

    How can we get limit enhanced for this card? I received this card last year sept 2021, with ₹55k limit only. I have other cards with credit limit as good as ₹10l. Whenever i try the app or website it asks me to check later.

    Reply
    1. Arun

      I have a low limit of 75k too. I called up the cc last week and asked them to bump it up to the limit of 5l which is what I have on other cards but they flat out said refused. This is the most obtuse bank when it comes to customer service.

      Reply
      1. Anshuman

        I tried another route today. Used chat feature from axis bank website.
        I requested for limit enhancement, to which they agree and asked me my preferred limit.

        After enquiring about my office address, they asked me for my salary slips (3 months) and statement of account where my salary is credited. After which the executive has raised request for my limit increase.

        Hopefully, the request will be completed in 5 days. I will keep you guys posted if this acutally works or not.

        Reply
    2. Mahendra

      Hi,
      On this card don’t expect any limit enhancement. They already stopped card issuing after realizing their mistake.(MDR charges around 1.8 to 2.5 and giving cashback flat 2%). I applied multiple times. But they refused with strange reasons.

      Reply
      1. Anshuman

        I got information that they have stopped sourcing addon for this card.

        Reply
    3. Chaitanya

      Send your income docs and request for an increase in limit.

      Reply
      1. balaji

        Ignore this comment. Didn’t notice your earlier comment.

        Reply
  157. balaji

    When used ACE credit card to pay an utility bill on gpay , I got an SMS instantly that 5% cashback is earned for it. But when I used it offline PoS terminals (hospital) I didn’t get any SMS for the cashback. Will I get 2% cashback for this or nothing ?

    Reply
    1. Roger

      You will get cashback even you didn’t get sms confirmation from bank, i am also not getting sms of cashback in google pay and offline use, sometime sms comes next day, sometimes never, still i am getting all the cashback as per criteria. Using card from December 2020

      Reply
      1. balaji

        Thank you. Today I got sms that I am eligible for 2% cashback for an offline transaction. Seems SMS is not so reliable.

        Reply
    2. SS

      You will. It will reflect on your CC statement. If not complaint ….

      Reply
    3. Anurag

      SMS is an outdated buggy system everyone is shifting to WhatsApp, you will get 2% cashback

      Reply
  158. balaji

    Will we earn edge rewards too in addition to the cashback ?

    Reply
  159. balaji

    I have a strange problem. I have TATA AIG insurances and I see only TATA AIA insurance option in GPAY (this is the same in Paytm , amazon pay too). When I enter the policy number of AIG in this AIA , it wont accept. How to pay TATA AIG insurance via GPay? If I pay thru TATA AIG page (bill desk is the pg) , will I get 2% cashback? It seems even in GPay insurance earns 2% only.

    Reply
    1. Rohit Bahl

      Even if you dont use gpay for this insurance transaction, pay from any site, using Axis ACE card, you will get 2% cashback.

      Reply
  160. balaji

    My ACE statement period is 15th. Till now I didn’t get email for the statement. Typically when can I expect the delivery of the statement to my mail ?

    Reply
  161. balaji

    Now we can use creditcards in UPI too , it would be interesting to see if we get 2% cashback if we pay UPI via ACE CC.

    Reply
    1. PRAMTESH

      Any which ways we are already getting 2% cashback.
      The point is if we use ACE via Gpay we should be getting 5%.
      But for that we have to wait to convert or ACE card to Rupay platform

      Reply
      1. Rohit Bahl

        Hi Pramtesh,
        Axis ACE credit card works on Gpay with VISA and gives 5% cashback on utility bill payments, why to wait for it to be converted to RuPay platform?

        Reply
        1. PRAMTESH

          Hi Rohit,

          Agree with you. Let’s wait and see the T&C of RuPay

          Reply
    2. rohit bahl

      Hi Balaji,
      Presently, it would be only for the RuPay credit cards due to no MDR. Later, it will come for Visa/MC. But it would be UPI payment for only merchant accounts and not individual user account.

      Reply
      1. balaji

        UPI is an instant settlement but CC are settled after 2 – 5 business days. How this UPI for CC will work then ?

        Reply
        1. Rohit Bahl

          Hi Balaji,
          True, but UPI payments using CC will lead to fresh agreements with merchants, through the network provider, which implies there could be a pushback if the flow moves more towards credit over traditional UPI. There could be a different format of UPI where credit cards like RuPay may be accepted so that the merchant is free of the worry of MDR charges, VISA/MC wont agree for Zero MDR. RBI has to decide something more than Zero.

          Reply
  162. Rishabh

    Hey, I just got the card and used for two months and just in second month I got this message, please guide what to do? I just used to pay Utitlity Bills and as advertised UNLIMITED CASHBACK, I paid all bills though this card.
    Is there something that can be done to reactivate card? Or it is just the end and does this effect CIBIL and credit score?

    “Your Axis Bank ACE Credit Card no. XX8 has been cancelled & cashback earned has been revoked due to commercial use. Kindly pay any outstanding by the due date. Refer T&C ”

    Reply
    1. Rohit Bahl

      Hi Rishabh,
      Axis ACE credit card is one of the most successful & hit card created by Axis. They realized their mistake soon after seeing people’s response. They do give benefits like 5% cashback for Utility payments through Gpay but there is an unofficial limit of Rs.10k. Beyond this amt. any payment you make will not be considered for 5% cashback.
      According to the bank, any normal household utility bills wont go beyond this limit. They do have a mechanism to see what falls in commercial or residential category. Even though your bills were genuinely paid for residential, it might have given a doubt.
      They do have an UNLIMITED 2% cashback for all other expenses except few mentioned ones:-
      Fuel Spends
      o EMI transactions
      o Purchases converted to EMI post facto
      o Wallet loading transactions
      o Cash advances
      o Payment of outstanding balances
      o Payment of card fees and other card charges
      Card once blocked wont be released as they have blocked on the doubt of commercial usage. You can check with the Axis bank branch on this and request to enable the card.

      Reply
      1. balaji

        Hi Rohit Bahl,

        I have not yet used ACE card for electricity bills yet.
        I get 6 electricity bills ranging from 180 INR to 2,000 INR. If I use ACE will it be a problem ? I guess the amount is well within the limits but the number of bills is what I am concerned. Till now I am using other cards like ICICI Amazon, HDFC rupay cards and faced no problem.

        Reply
        1. Rohit Bahl

          Hi Balaji,
          I don’t think that no. of electricity bills will be a problem if it is well within the reasonable amts. But if the bills amount to exorbitant figures, that could raise a red flag in their system, as they have to give 5% cashback in Gpay. Especially Amex, Axis & IDFC bank monitor carefully the usage and spend pattern of users. Any cooked-up expense or an expense suddenly appearing is a concern for them.

          Reply
        2. DB

          You can easily pay these bills, the amounts are low to be flagged.
          ACE is certainly a hit product.

          Reply
    2. balaji

      How many electricity bills you paid ? and what are their amounts ?

      Reply
    3. Avijeet

      revoked?

      Please share … they just revoked the cashback earned in this statement or of past as well?

      Reply
  163. Meher Shiva Tadepalli

    What are the amounts you used for utility bill? Especially electricity bills?

    Reply
  164. Shraman Jain

    Hello all,
    I have been an avid follower of the blog and have been a responsible credit card user, managing around 5 credit cards. However, on 05/07, i made a payment for an online order on my Axis Ace Credit Card and recived a refund for the same item on 15/07. My statement was generated on 15/07 and had just one entry, this particular order. I did not care about the repayment as i had already recieved a refund and the same has been reflecting in my unbilled credits. To my surprise, on 08/08, i was charged a late payment fees of 500+ GST and upon enquiring with the customer care, they told me that refund amount is not considered as a payment amount and you still have to pay the minimum amount despite the credit limit being full.
    Can anyone please help me here. I’m not too concerned about the late fees charges, but I’m very concerned about my credit score taking a dip because of this stupidity. Is there really such a policy or Axis Bank is taking me for a ride?
    Thanks in advance.

    Reply
    1. SS

      If generated credit card bill asked u to pay a amount. You have to pay. If u don’t wants to pay raise a dispute.

      Reply
    2. Rohit Bahl

      Hi Shraman,
      As you have mentioned that the refund and the statement generation date both were same, it could be the reason that the amt. did not get adjusted in the statement. Any amt. refunded within the statement date is adjusted in the statement and then the final amt. due is calculated. If any amt.is refunded after the statement creation, it will reflect as Unbilled credit and it does NOT mean, it will be automatically adjusted against the statement as few banks do not consider that amt.as a payment towards the amt. due. Ideally, whatever statement generation amt.is, it should be paid irrespective of the cashbacks and refund amts., if any.
      Discuss with the bank and make them understand as it is something system generated, they could waive it off.

      Reply
  165. balaji

    Received a mail

    W.e.f. 15th September 2022, the terms and conditions applicable on your Axis Bank ACE Credit Card will be revised as per the details below:

    Cashback shall not be eligible for the following spends/transactions on the card:
    • Fuel Spends

    • EMI transactions

    • Purchases converted to EMI post facto

    • Wallet recharge

    • Cash advances

    • Rent Payment

    • Purchase of Gold/Jewelry items

    • Insurance premium payments

    • Payment of outstanding balances

    • Payment of card fees and other card charges

    Any good rewarding card for Insurance payments and gold purchases ?

    Reply
  166. Manikanta

    No more cashback for insurance payments and gold purchases starting from sep 15th….which is a big blow

    Reply
  167. Mahendra

    Hi all,

    New terms and conditions find below

    1.W.e.f. September 15th, 2022, cashback shall not be eligible for payments made towards
    purchase of gold/jewelry items(MCC – 5944) and insurance premium payments (MCC – 6300

    2. The following MCCs have been excluded from cashback eligibility (for fuel, rent payment, and
    wallet load transactions): 6012, 6051, 5541, 5983, 5542, 6011, 6540, and 6513. W.e.f
    September 15th, 2022, MCCs 5944 (Watch, Clock, Jewelry, and Silverware Stores), and 6300
    (Insurance – Sales and Underwriting) will also be excluded from cashback eligibility.

    Reply
  168. Raghoji Desai

    Huge devaluation as INSURANCE SPENDS WILL NOT EARN 2% CASH BACK FROM 15 SEPTEMBER 2022 on Ace credit card

    Reply
  169. balaji

    any good card for insurance and gold ? so far it seems HSBC Cashback Credit Card is good as it gives 1.5% cashback on these categories. is there a better one ?

    Reply
    1. Murali

      Stan Chart Ultimate card gives reward points for all spends (Wallet Loading, Fuel, Insurance, Education, Jewellery etc..)

      Reply
      1. balaji

        Redemption is thru gift vouchers. I would like a pure cashback card.

        Reply
        1. Rohit Bahl

          Hi Balaji,
          Pure cashback card is Axis ACE/Axis Flipkart CC. Apart from these, other cards like ICICI Amazon card gives cashback as Amazon Pay bal. Rest all gives RP’s with the worst earning & redemption rates.
          I don’t think any card from any other bank is equally good in terms of cashbacks as these two cards are.
          Axis will eventually make Citi cards also the same way as theirs.

          Reply
          1. Anil

            Axis Freecharge card also gives cashback. It gives 1% cashback for rent payment through freecharge app

  170. Raja

    That is serious exclusions on the major spendable categories…IDFC Wealth Credit Card gives 2.5% cashback and can be redeemed for Amazon gift card which is as good as cash (of course first 30k does not earn the full 2.5% but still can average out). For insurance payments, don’t use direct payment with card and instad use through AmazonPay’s Insurance Payments option to get the reward points accumulated.

    Reply
  171. Berin

    In the past week, I have received a number of calls from Axis bank asking me to ‘upgrade’ to Flipkart axis credit card. They are telling me Ace card has been discontinued and they are asking everyone to upgrade. I have rejected their proposal. Anyone else is facing this?

    Reply
    1. Anil

      My application for Ace credit card has been approved and card details added to net banking and mobile app. Now waiting for physical card to activate and use

      Reply

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