21st July 2025

Axis Bank ACE Credit Card Review [2025 Edition] – Still the Best for Bill Payments?

In 2025, the Axis Bank ACE Credit Card remains one of the most talked-about cashback credit cards in India. With its strong focus on bill payments via Google Pay, this card has built a loyal user base. But is it still the best value for money today?

In this detailed Axis Bank ACE Credit Card Review [2025 Edition], we break down everything you need to know — from rewards and charges to comparisons with newer competitors.

Key Features of Axis Bank ACE Credit Card

Feature	Details
Card Type	Cashback Credit Card
Network	Visa
Joining Fee	₹499 + GST
Annual Fee	₹499 + GST (Waived on ₹2L annual spend)
Best Use Case	Bill payments, mobile recharges, DTH, broadband

Cashback Structure in 2025

Category	Cashback %	Conditions
Bill Payments via Google Pay	5%	Electricity, DTH, Gas, Water, etc.
Partner Merchants (e.g., Swiggy, Zomato)	4%	Select brands only
All Other Spends	2%	No upper cap
Fuel & Wallet Loads	0%	Not eligible for cashback

This cashback is credited directly to your statement — not as points, making it straightforward.

Charges & Fees Breakdown

Charge	Amount
Joining/Annual Fee	₹499 + GST
Add-on Card Fee	Nil
Finance Charges	3.6% per month (43.2% annually)
Late Payment Fee	₹500 to ₹1200 (based on due amount)
Cash Withdrawal Fee	2.5% (Min ₹500)

The annual fee is waived if you spend over ₹2,00,000 in a year.

Why It Still Stands Out in 2025

5% Cashback on Bills via Google Pay
- Very few credit cards in India offer such high flat-rate cashback on utility payments.
No Cashback Cap
- Unlike many cards, there is no monthly cap on 2% or 5% cashback.
Simplicity
- No complicated point redemptions — cashback reflects directly on your statement.
High Acceptance via Google Pay
- You can use it easily through the Google Pay app, making it super convenient.

What’s Missing in 2025?

No travel or lounge benefits
Fuel and wallet spends don’t earn cashback
Not suitable for EMI transactions or international travel

If you’re looking for travel rewards or lounge access, this may not be the right fit. Check out our Top Lifetime Free Credit Cards in India – 2025 for better options.

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ACE vs Other Cashback Credit Cards [2025]

Card Name	Bill Payment Cashback	Other Cashback	Annual Fee
Axis ACE	5% via GPay	2% all spends	₹499
HDFC Millennia	1%	5% on Amazon/Flipkart	₹1,000
Airtel Axis Bank	10% on Airtel app	1–2% on other spends	₹500
Amazon Pay ICICI	No bill cashback	5% (Prime users)	₹0

Verdict: For utility bills, ACE remains unmatched in 2025.

Should You Get It in 2025?

If your monthly spending includes a large chunk on utilities, broadband, mobile, or DTH bills — this card will give maximum cashback with no fuss. Despite newer cards entering the market, ACE still delivers strong value in 2025.

Apply Now!

Final Verdict: CardMela Rating – ★★★★☆ (4.5/5)

Pros:

Flat 5% cashback via Google Pay
Simple cashback statement credit
Low annual fee with waiver

Cons:

No travel/lifestyle perks
No cashback on fuel or wallets

Frequently Asked Questions

Q1. Is the Axis Bank ACE Credit Card lifetime free?
No. It has an annual fee of ₹499, which is waived if you spend ₹2 lakh in a year.

Q2. How is cashback credited?
Cashback is auto-adjusted in your statement in the next billing cycle.

Q3. Does the ACE card support UPI payments?
As of 2025, it does not support UPI. Cashback is available only via Google Pay bill payment section (linked card, not UPI).

Q4. Is it better than Airtel Axis Bank Card?
If your spending is broader (not just Airtel), then ACE is better for general bill payments.