4. Axis Bank Ace Credit Card
- Issuing Bank: Axis Bank
- Annual Fees: ₹499 (Plus GST)
- Ideal For: Utility bill payments, Google Pay users, High bill payers.
Key Features:
- Get 5% unlimited cashback on bill payments (electricity, gas, water, postpaid, DTH, broadband) via Google Pay.
- Get 4% unlimited cashback on Ola, Swiggy, Zomato via Google Pay.
- Get 2% unlimited cashback on all other spends via Google Pay.
- Get 1% cashback on all other spends (non-Google Pay).
- Welcome benefit of ₹250 cashback on first transaction.
Pros:
- Unlimited high cashback on utility bills and food delivery via GPay.
- Very low annual fee.
- Simple cashback redemption (auto-credit to statement next month).
Cons:
- Maximum benefits are locked to Google Pay transactions.
- Cashback on non-GPay spends is low (1%).
- Limited offline acceptance compared to larger issuers.
