Axis Bank · Entry
Axis ACE
Where it ranks across all 187 cards
#12 Food delivery
4.0%
at Swiggy
direct
#22 Gaming
1.5%
direct
#28 Train tickets
1.5%
direct
#30 Other
1.5%
direct
#33 Health & pharmacy
1.5%
direct
#35 Cabs & transit
1.5%
direct
#38 Electronics
1.5%
direct
#41 Flights
1.5%
direct
#42 Hotels
1.5%
direct
#45 Dining out
1.5%
direct
#48 Fashion
1.5%
direct
#49 Online shopping
1.5%
direct
#49 Groceries
1.5%
direct
#49 Movies & events
1.5%
direct
28 Aug 2026
From 28 Aug 2026: the markup when you pay abroad in rupees rises from 1.5% to 3.5%, late fees rise to ₹1,300 above ₹50,000 due, and tolls and gift cards no longer earn. Cashback rates and the ₹500 cap are unchanged.
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Reward rules3 direct
Base rate - everything not covered below
1.50%base rate
1.5% cashback
source
Source: Axis ACE MITC - axisbank.com - read 20 Aug 2026
Bills and recharges paid outside Google Pay earn nothing
0.00%this rule
0% cashback
how it works & source
ACE pays 5% on bills only through Google Pay; the same bills paid anywhere else earn nothing.
Source: Axis ACE T&C - axisbank.com - read 20 Aug 2026
4% Swiggy/Zomato/Ola
4.00%this rule
4% cashback
source
Source: Axis ACE T&C - axisbank.com - read 20 Aug 2026
Via portals & vouchersdisplay, never ranks
5% bills via Google Pay
via gpay bills · ₹500/statement COMBINED across the 5% GPay-bills and 4% Swiggy/Zomato/Ola buckets (bank worked example credits ₹500, not ₹650)
source & note
Only via Google Pay on Android. Cap ₹500/month.
Source: Axis ACE T&C - axisbank.com - read 20 Aug 2026
5.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on12 exclusions
Tolls and bridge fees
earns nothing
Bridge fees, road fees and tolls: no rewards (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
MCCs: 4784
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 27 Aug 2026
Gift, card, novelty and souvenir shops
earns nothing
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
Axis excludes by spend category; 5947 is the closest MCC mapping.
MCCs: 5947
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 27 Aug 2026
Fuel
earns nothing
Fuel excluded from cashback (1 Sep 2023 MCC list).
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
Since 20 Jun 2025 Axis identifies exclusions by spend category, not MCC; codes here are from the last bank-published MCC tables.
categories: Fuel · MCCs: 5541, 5542, 5983
Source: ACE revision w.e.f. 1 Sep 2023 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Rent
earns nothing
Rent excluded.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: ACE revision w.e.f. 1 Sep 2023 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Wallet load
earns nothing
Wallet loads excluded.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: ACE revision w.e.f. 1 Sep 2023 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Jewellery & watches
earns nothing
Gold and jewellery excluded.
→ use HDFC Infinia Metal here (3.3%)
detail & source
categories: Jewellery & watches · MCCs: 5944
Source: ACE revision w.e.f. 1 Sep 2023 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Insurance
earns nothing
Insurance excluded.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 6300, 6381, 5960
Source: ACE revision w.e.f. 1 Sep 2023 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Education
earns nothing
Education excluded.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8299, 8211, 8241, 8244, 8249
Source: ACE revision w.e.f. 1 Sep 2023 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government services excluded.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9399
Source: ACE revision w.e.f. 1 Sep 2023 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
Automated cash disbursement (ATM), Financial institutions - merchandise and services +1 more
earns nothing
Financial institutions / quasi-cash excluded.
→ use SC Ultimate here (3.3%)
detail & source
MCCs: 6011, 6012, 6051
Source: ACE revision w.e.f. 1 Sep 2023 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
EMI
earns nothing
EMI and repayments excluded.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
Utility & telecom spends NOT via Google Pay earn no cashback (current T&C) - GPay bill payments keep the 5%.
categories: EMI
Source: ACE T&C revision 20 Jun 2025 (axis.bank.in PDF) - axis.bank.in - read 22 Aug 2026
FASTag recharge
earns nothing
W.e.f. 28 Aug 2026: no rewards on bridge fees, road fees and tolls (portfolio-wide revision).
detail & source
Gift-card purchases also reclassified to an excluded Gift Card category.
merchants: FASTag recharge
Source: Axis 28-Aug-2026 generic revision (campaign PDF) - campaign.axis.bank.in - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.