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

By | October 12, 2020
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

I love credit cards, enjoy travelling for free using reward points & airmiles. Obsessed with business class cabins, airport lounges and luxury hotels.

272 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
    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
  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
  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
  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. Saurav Das

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

    Reply
  19. 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
  20. 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
  21. 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
  22. 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
  23. ravi

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

    Reply
  24. 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
  25. Saurav Das

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

    Reply
  26. 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
  27. Nikhil

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

    Reply
  28. 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
  29. 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
  30. 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
  31. 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
  32. 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
  33. Pranab

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

    Reply
  34. 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
  35. 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
  36. Divyeshkumar d mistry

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

    Reply
  37. 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.

    2. MAA-traveler

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

      Reply
  38. 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
  39. 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
  40. 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
  41. 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
  42. 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
  43. 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
  44. 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
  45. 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
  46. 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
  47. 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
  48. 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.

  49. 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. 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
  50. 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
  51. 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
  52. 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
  53. 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
  54. 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
  55. 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
  56. 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
  57. DEV ASHIS

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

    Reply
  58. 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
  59. 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
  60. 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
  61. 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
  62. 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
  63. 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
  64. 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
  65. 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
  66. 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
  67. 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
  68. 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
  69. 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
  70. 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
  71. 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
  72. 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
  73. 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
  74. 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
  75. 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
  76. 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
  77. 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
  78. 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
  79. 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
  80. 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
  81. 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
  82. 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
  83. Bhavya

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

    Reply
  84. 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
  85. B SURESH

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

    Reply
  86. 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
  87. 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
  88. 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
  89. 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
  90. 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
  91. 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
  92. 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
  93. 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
  94. 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
  95. Nandhakumar

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

    Reply
  96. 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
  97. 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
  98. 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
  99. 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
  100. 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

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