Axis Bank Ace Credit Card Review
Name: Axis Bank Ace Credit Card
Description: Issued By Axis Bank, Ace Credit Card is the mid-level cashback credit card for applicants who love cashback and saving. it offers 5% Direct Cashback on Recharges And 2% Cashback on other lifestyle spending.
The Axis Bank ACE Credit Card provides overall good performance in cashback and lifestyle expenses. Above All, its 2% cashback on other deals performs the best feature for your purchasing. Also, it is decent For normal Travelling too.
- Good Annual Fee
- Charges much better compared to similar Card
- Free Access on Airport Lounges
- 2% Cashback on All Other Purchases
- No Limit on Earning Cash Back is Best
- It offers no Welcome Benefits
- No Cash back on refueling
- No Cash Back on EMI Deals
- it offers no international lounge access
What is Axis Bank Ace Credit Card? Earning Great Cashback on deals is really the best way to save extra. Above All, it makes your spending more meaningful.
AXIS bank issued an ACE credit card for saving in our spending. it mid-level credit card holds the position of the best credit card in India For cash back. The card offers 2% cashback on other deals which are really profitable returns for applicants.
Above All, it provides cash back of 5% on mobile recharges, DTH, And Other bill payments. furthermore, it offers decent 4% cash back on purchases through their cooperation firms.
importantly, Direct CASH BACKS Are much Better Than Reward points.
Axis Bank Ace Credit Card Charges And Highlights
|Annual Charges on The Card||– ₹500 Fee Per Year + GST|
– If you spent more than INR 2 Lakh Annual charge will be waived off
|Welcome Benefits||– No Extra Welcome Benefits|
– It offers Discount Dining Delights And Free Lounge Access
|Joining Fees on The Card||– ₹500 Charges For First Time|
– Your amount of joining charge will be back if you spend ₹10,000 or more in the First 45 Days.
|Late Payment Fee||– No fee will apply if your overdue amount is under ₹100.|
– If Your Overdue Payment in the middle of ₹101 – ₹300. The ₹100 will be charged.
– If Amount Between of ₹301 – ₹1,000. The ₹300 fees.
– in the middle of ₹1,001 – ₹5,000. Charges will be ₹500.
– Between ₹5,001 – ₹10,000 – charge around ₹600
– Above Up to ₹10,000 Amount – ₹700 Fee will apply.
|Finance Charges (Interest)||– 3.6% per month, that will be around 43% per year|
|Cash Payment Charges||– The fee is fixed ₹100 on Cash Payment.|
What are the Benefits
The ACE Credit Card Comes with unlimited cashback on anywhere transactions. Above All, It offers 5% cash back on bill payments. Moreover, For any other transactions, it offers a flat 2% cash back per deal.
furthermore, purchasing from partner firms offers 4% cashback, and it provides free-of-cost lounge access.
There are a list of few Partner firms –
- Zomato – The Food Delivery App
- Swiggy App
- OLA CABs App
apart from cashback, it provides several benefits like a 1% Waiver on Fuel, a 20% discount on dining, and easily converting purchases into Monthly EMI.
Cashback or Rewards Points on Axis Bank ACE Credit Card
Ace Credit offers 5% Cash back on Bill payments through Google Pay App Only. In Addition, you can check the list of cashback on deals below,
|List||Cashback on Deals|
|Mobile Recharges||– Every time 5% Cash back via Google Pay|
|Electricity Bill||– 5% Cashback on Electricity Bill|
|Water Bill||– The Cash back of 5%|
|DTH||– 5% Direct Cashback Via Google PAY|
|LPG Cylinder||– 5% Cashback on Booking|
|Broadband||– it offers 5% cashback on paying the bill of broadband|
|For Food Delivery||– it offers cash back of 4% on Swiggy|
– it offers 4% of cashback On Ordering food via the Zomato app.
|For Cabs||The card provides 4% cash back on the ola app.|
|For Grocery||it offers cash back of 4% purchasing grocery through Grofers, BigBasket|
|Other Transactions||The ace credit card comes with a benefit of cash back of 2% on any other spending at any time.|
The list of Additional Advantages of the Ace Credit Card By AXIS Bank
According to the value chart of the ace credit card, it offers ₹16,938 annual benefits On total spending of INR 2 Lakh. For Briefly, you can click here to Check The Full Value Chart.
|Airport Lounge Access||For Travelling Benefits, it offers 4 Free of charge Lounge Access on the airports in India.|
|On Refueling||On Refueling the vehicle, it provides a 1% waiver|
|Dining offers||Axis Bank ACE card offers direct Dining Delights 20% off to more than four thousand cooperation restaurants in India.|
|EMI Offers||if you buy an item of more than 2500, you are eligible to change your transaction to EMI. All you need to Do is Just Contact Bank to apply it.|
Check Eligibility criteria For Axis Bank ACE Credit Card
To for Apply an Axis Bank Ace credit card, the Primary individual needs to be a Resident of India or non-resident of India. Similarly, the applicant’s age must be between 18 to 70 years.
The additional criteria to approved are must be required, For instance
|Credit Score||– The applicant’s credit score should be around 750 or more.|
|Monthly Income||– The individual must have a stable monthly income by job or business.|
|Additional||– The applicant must have a statement of income or Pay stubs are required.|
|For Confirmation of Income||Most Recent Documents (Last 1 TO 2 Months)|
– Bank statement
– FORM 16
– Income Tax return copy
The card is med-level and it’s available for salaried and self-employed applicants. Moreover, The required salary of individuals must be around –
|Self Employed||The applicant’s monthly income must be between ₹30,000 or more For Eligibility.|
|For Salaried||The Applicants Per month salary must be in the middle of ₹25,000 to ₹35,000 or more For Eligibility|
Moreover, The Necessary documents are required For Approval of the card
Answered: How to Apply For The Axis Bank ACE Credit Card or How to Get
Axis Bank offers two ways to get the ace cash back credit card, The Applicant can visit the nearest branch of axis bank of his town. moreover, You can directly apply online via axis bank’s official website.
To Apply on the AXIS BANK ACE CREDIT CARD, The Applicant can browse the official page of the credit card on the axis bank website. All you need to Do is –
Firstly, The individual has to search the official page of axis bank’s ACE credit card Via Google.
Second Step, the Applicant has to click on apply now button on the ace credit card page
Thirdly, You have to enter the personal, income, and address information on the process.
|The Information is required||List|
|Personal Information||– Your Full Name That is available on Govt Approved Documents|
– Your PAN Card Number
– Aadhaar Card Number
– Your Personal Phone Number
– DOB, Marital Status, Etc
|Income Information||– Your Occupation|
– Monthly Income OR Annual
– Salaried or Self-Employed Information
|Address Information||– Your Communication Address|
– Your Permanent Address
– Govt. Approved Address Documents
Fourth Step, The Applicant has to complete their KYC Through Video or In-person options. In addition, You have to provide several documents for Full KYC.
Lastly, If the application is approved, Axis bank will contact you and delivered your credit card to your provided address.
Let’s Talk About Axis Ace Credit Card VS Axis Flipkart Credit Card
|List||Axis Ace Credit Card||Axis Flipkart Credit Card|
|Welcome Benefits||– No Additional welcome benefits|
– Normal Benefits Cashbacks, Dining Discounts, And Free Access Lounge
|– The card comes with more than ₹1100 welcome offers. |
– ₹500 or more additional Flipkart gift voucher
|Card Type||– Med-Level Card||– Entry-Level Card|
|Cashback||– It offers 5% cash back on Bill Payments through Google Pay|
– The Cash back of 2% on Other Transactions
|– You will get 5% Cash back on Purchasing through Flipkart And its Sister Companies|
– The Cash back of 1.5% on Other Transactions outside Flipkart And its partner firms
|For Travel||– it provides 4 free access on the lounge||– Same 4 Free Acess|
|Renewal Charges||– ₹499 + GST Fees are applied||– ₹500 + GST Fees are applied|
|Joining||– The Joining Fee is fixed at ₹499|
– Spend more than the amount of ₹10,000 within 1.5 days Then Joining Fee not Applied
– Flipkart has no joining fee in several festive offers.
|Cibil Score||– Around 700 to 750||– Must be around 700 to 750 Credit Score.|
Check out More Review on Credit Card
|Flipkart Axis Bank Credit Card||Flipkart Axis Bank Credit Card Review – How to apply, charges|
|Axis Bank My Zone Credit Card||My Zone Credit Card Axis Bank Review – Charges, benefits, eligibility|
|Amazon Pay ICICI Credit Card||Amazon Pay ICICI Credit Card Review – Eligibility, Apply, Benefits|
In Conclusion For Axis Bank My Zone Credit Card
in conclusion, it is a mid-level cash back credit card issued by Axis bank that is a good choice for applicants who want low charges. Above All, it offers an overall great performance in cash backs.
The average rate of cash back is 2%. which is pretty impressive compared to a similar card.
For Bill Payments, Online Shopping, And Decent Travelling offers, The Ace Credit card performs well. Moreover, it provides great features to fulfill the saving in daily lifestyle expenses.
The overall rating for the card is 4 out of 5. which is pretty good too.
Read More Review on Axis Credit Cards-
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