Axis Bank ACE

4% Swiggy/Zomato; 1.5% eligible other. Check the merchant, channel and card eligibility before relying on an estimate.

Where it pays

Issuer ACE cashback terms list 4% on eligible Swiggy and Zomato purchases (also Ola), with a ₹500 combined statement-cycle cap shared with 5% Google Pay Android utility bills. General eligible spend earns 1.5% without a cap. The generic Utilities chip cannot establish the required Google Pay/Android route, so the calculator does not award its 5%. Fuel, rent, wallet, government, insurance, education, gold/jewellery and most other-platform utility spend excluded. ₹499 joining/annual fee; annual fee waived after ₹2 lakh preceding-year qualifying spend. Issuer terms: https://www.axis.bank.in/docs/default-source/default-document-library/credit-card/axis-bank-ace-credit-card-tncs.pdf and https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-axis-bank-ace-credit-card.pdf

Issuer source

https://www.axis.bank.in/cards/credit-card/axis-bank-ace-credit-card

Checked 27 Sep 2026. One category repeated monthly, not an account-wide projection. Other categories may use shared caps. Welcome, milestone and restricted-route benefits not assumed. Check the issuer's current terms before applying.