Verified — 16/16 categories
Axis · Visa
Axis ACE
Best forUtilities & Telecom
Earns5% cashback on utilities — only at Google Pay
1st Year / Joining Fee
₹499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Network
Visa
Axis
Axis ACE
VisaWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on utilities and telecom, where it earns 5% cashback (only at Google Pay)
- Annual fee is waived at ₹2,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
UtilitiesOnly at Google Pay5% cashback
Telecom5% cashback via Google P
Food Delivery4% cashback
Shopping2% cashback
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not eligible | — | Axis verified rule for RentDetails
|
| Education | Not eligible | — | Axis verified rule for EducationDetails
|
| Insurance | Not eligible | — | Insurance transactions excluded from rewards under Axis 2025 revised exclusionsDetails
|
| Utilities | 5% cashback | ₹500 per statement | Only at Google PayDetails
|
| Fuel | Not eligible | — | Fuel transactions excluded from rewards (0%)Details
|
| Groceries | — | — | Axis verified rule for GroceriesDetails
|
| Dining | — | — | Axis verified rule for DiningDetails
|
| Food Delivery | 4% cashback | ₹500 per statement | 4% cashback on Swiggy/Zomato/Ola (capped ₹500/cycle)Details
|
| Shopping | 2% cashback | — | Axis verified rule for ShoppingDetails
|
| Travel | — | — | Axis verified rule for TravelDetails
|
| Government | Not eligible | — | Axis verified rule for GovernmentDetails
|
| Wallet | Not eligible | — | Axis verified rule for WalletDetails
|
| Railways | — | — | Axis verified rule for RailwaysDetails
|
| FASTag | Not eligible | — | Excluded from base and accelerated rewards per Axis common rulesDetails
|
| Jewellery | Not eligible | — | Excluded from base and accelerated rewards per Axis common rulesDetails
|
| Telecom | 5% cashback via Google P | — | 5% cashback via Google Pay (capped ₹500/cycle)Details
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹499 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Reward caps
- Utilities — ₹500 / statement (per category — Utilities)
- Food Delivery — ₹500 / statement (per category — Food Delivery)
Key benefits
Rewards
5% cashback on utilities (only at Google Pay)
Fee waiver
Annual fee waived on ₹2,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Utilities reward (5% cashback) applies only at Google Pay — not to all utilities spends
- Utilities rewards are capped at ₹500 / statement (per category — Utilities)
- Food Delivery rewards are capped at ₹500 / statement (per category — Food Delivery)
- Not eligible: Rent, Education, Insurance, Fuel +4 more
Who should consider this card
✓ Good fit if
- Your spending is concentrated in utilities, telecom, food delivery
- You regularly spend only at Google Pay
- You can reach the ₹2,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, education, insurance, which earn nothing
- Your spending is not only at Google Pay
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 2 caps · 8 no-reward categories
Caps
- Utilities — ₹500 / statement (per category — Utilities)
- Food Delivery — ₹500 / statement (per category — Food Delivery)
Categories with no reward or not eligible
- Rent — Not eligible. Axis verified rule for Rent.
- Education — Not eligible. Axis verified rule for Education.
- Insurance — Not eligible. Insurance transactions excluded from rewards under Axis 2025 revised exclusions.
- Fuel — Not eligible. Fuel transactions excluded from rewards (0%).
- Government — Not eligible. Axis verified rule for Government.
- Wallet — Not eligible. Axis verified rule for Wallet.
- FASTag — Not eligible. Excluded from base and accelerated rewards per Axis common rules.
- Jewellery — Not eligible. Excluded from base and accelerated rewards per Axis common rules.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Bank eligibility / internal underwriting
Specifications
- Payment network: Visa
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 3 areas
3 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-09-22
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-22
Official product page: https://www.axisbank.com/
Documents used
5% GPay utility, 4% Swiggy/Zomato/Ola, 2% other; ₹500 cap · AXIS-PASS2-05