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Axis ACE

Entry

Axis Bank

Where it ranks · across all 71 cards

🥈 Utility bills5.0%direct#8 Food delivery4.0%at Swiggydirect#29 Online shopping1.5%direct#29 Groceries1.5%direct

Devaluation history

  • 2026-08-28 - 28 Aug 2026 generic wave: DCC markup 1.5%→3.5%, late-fee slab ₹1,300 above ₹50k, tolls + gift cards excluded from rewards. No change announced to the 5/4/1.5% rates or ₹500 cap.

Reward rules

Base rate - everything not covered below

cashback

1.50%

effective

5% bills via Google Pay

cashback

5.00%

effective

₹500/statement COMBINED across the 5% GPay-bills and 4% Swiggy/Zomato/Ola buckets (bank worked example credits ₹500, not ₹650)

Only via Google Pay on Android. Cap ₹500/month.

Source: Axis ACE T&C · 2026-08-20

4% Swiggy/Zomato/Ola

cashback

4.00%

effective

₹500/statement COMBINED across the 5% GPay-bills and 4% Swiggy/Zomato/Ola buckets (bank worked example credits ₹500, not ₹650)

Source: Axis ACE T&C · 2026-08-20

Earns nothing on

  • ⊘ Fuel excluded from cashback (1 Sep 2023 MCC list). Since 20 Jun 2025 Axis identifies exclusions by spend category, not MCC; codes here are from the last bank-published MCC tables.554155425983bank MCC list→ use MakeMyTrip ICICI here (1.0%)
  • ⊘ Rent excluded.6513bank MCC list→ use Axis Burgundy Private here (4.5%)
  • ⊘ Wallet loads excluded.6540bank MCC list→ use SC Ultimate here (3.3%)
  • ⊘ Gold and jewellery excluded.5944bank MCC list→ use HDFC Infinia Metal here (3.3%)
  • ⊘ Insurance excluded.630063815960bank MCC list→ use Axis Burgundy Private here (4.5%)
  • ⊘ Education excluded.82998211824182448249bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
  • ⊘ Government services excluded.9399bank MCC list→ use PVR INOX Kotak here (3.0%)
  • ⊘ Financial institutions / quasi-cash excluded.601160126051bank MCC list→ use SC Ultimate here (3.3%)
  • ⊘ EMI and repayments excluded. Utility & telecom spends NOT via Google Pay earn no cashback (current T&C) - GPay bill payments keep the 5%.
  • ⊘ Telecom listed separately in the exclusion table; utility & telecom outside GPay earn nothing.
  • ⊘ W.e.f. 28 Aug 2026: no rewards on bridge fees, road fees and tolls (portfolio-wide revision). Gift-card purchases also reclassified to an excluded Gift Card category.

Plays with this card