How to apply Axis Bank ACE credit card is one of the most searched credit card application queries in India — and for good reason. The Axis ACE delivers 5% cashback on utility bills via Google Pay, 4% on Swiggy Zomato and Ola, and 1.5% on all other spends — all at just ₹499 annual fee.
If you are ready to apply right now:
👉 Apply for Axis Bank ACE Credit Card
If you want the complete step by step walkthrough first — this guide covers every field every decision and every screen in exact order.
Before You Apply — Quick Eligibility Check
Before starting the how to apply Axis Bank ACE credit card process — confirm you meet these requirements:
→ Age: 18 to 70 years
→ Nationality: Indian resident
→ Employment: Salaried or self-employed
→ Minimum income: ₹25,000 per month
→ CIBIL score: 750 and above preferred
Check your CIBIL score first:
Check your CIBIL/Credit score here for free CreditMantri — knowing your score before applying prevents unnecessary rejections that temporarily lower your score. How to Check CIBIL Score for Free in India you can also read this blog if you get stuck in any step.
Documents to Keep Ready
→ PAN card
→ Aadhaar card
→ Latest salary slip or Form 16 or ITR copy
→ Address proof — passport driving license voter ID or Aadhaar
→ Color photograph
→ Mobile number
→ Annual income figure
→ Date of birth
→ PIN code
Having these ready before starting the how to apply Axis Bank ACE credit card form saves time and prevents mid-application interruptions. No uploads required during the online application — you only need the information at this stage.
How to Apply Axis Bank ACE Credit Card — Step by Step
Step 1 — Open the Application Page
Click the link below. The Axis Bank credit card application page opens directly.
👉 Apply for Axis Bank ACE Credit Card
The page that opens shows:
“Your credit card application is just a few clicks away — Let Us Begin!”
This confirms you are on the correct Axis Bank credit card application page.
Step 2 — Enter Mobile Number
The first field on the form:
→ Enter your active mobile number
→ This is used for OTP verification
→ Use the number you want linked to the card
Step 3 — Enter Annual Income
Step 3 of the how to apply Axis Bank ACE credit card process asks for your income — enter accurately for best approval chances.
→ Enter your annual income in rupees
→ For salaried applicants — annual CTC or take-home — enter accurately
→ For self-employed — annual business income
Honest note: The minimum income for Axis Bank credit cards is approximately ₹25,000 per month — ₹3 lakh annually. Entering accurate income figures prevents rejection at verification stage.
Step 4 — Enter Date of Birth
→ Enter your date of birth
→ Must be between 18 and 70 years
→ As per your PAN card
Step 5 — Enter PIN Code
→ Enter your current residential PIN code
→ Your state and city auto-populate based on PIN code
→ Verify the auto-populated state and city are correct
Step 6 — Complete CAPTCHA
→ Enter the CAPTCHA code shown on screen
→ Click Next
Step 7 — Select Axis ACE Credit Card
Important: The Axis Bank application page covers multiple Axis credit cards. During the next steps — ensure you select the ACE Credit Card specifically when prompted to choose your card variant.
Note: We are not certain at which exact step the card selection appears — look for it carefully during the application flow and select Axis Bank ACE Credit Card when the option appears.
Step 8 — Fill Remaining Details
After the initial form — you will be asked for additional information:
→ Full name as per PAN
→ Email address
→ Employment details
→ Company name (if salaried)
→ PAN number
Fill all fields accurately and proceed.
Step 9 — Submit Application
→ Review all details
→ Submit application
→ Reference number generated
→ SMS and email confirmation sent
Save your reference number for tracking.
What Happens After You Complete the How to Apply Axis Bank ACE Credit Card Process
Day 1-2:
→ Axis Bank verifies basic details
→ CIBIL check initiated
Day 3-7:
→ Document verification
→ Axis Bank may call for additional details
Day 7-15:
→ Credit decision made
→ Approval communicated via SMS and email
→ Card dispatched
Card delivery:
→ 7-10 working days after approval
→ Activate on receipt
After Getting Your Axis ACE Card — What You Earn
Once your how to apply Axis Bank ACE credit card journey is complete and card arrives — here is exactly what you earn:
5% Cashback — Utility Bills via Google Pay
The card offers 5% cashback on electricity, gas, water, and internet bill payments through the Google Pay application. DTH and mobile recharges via GPay also earn 5%.
Critical condition: Spends done on utility services that are not done on the GPay platform will not earn cashback. The bill must be paid specifically through Google Pay using your ACE card.
4% Cashback — Swiggy Zomato Ola
You get 4% cashback on Zomato, Swiggy, and Ola.
1.5% Cashback — All Other Spends
The unlimited 1.5% cashback on normal spends — which many similar cards still don’t give properly. This applies to every other transaction — offline shopping groceries petrol restaurants.
How Cashback Is Credited
Cashback does not come as reward points. It directly reduces your next credit card bill automatically in the next billing cycle.
No redemption portal. No points conversion. Automatic statement credit.
Joining Fee and Annual Fee — Honest Breakdown
Understanding fees before the how to apply Axis Bank ACE credit card steps ensures no surprises at card activation.
Joining fee: ₹499 + GST
→ Waived if you spend ₹10,000 within 45 days of card activation
→ Most cardholders recover this instantly
Annual fee: ₹499 + GST
→ Waived if annual spend exceeds ₹2 lakh
→ ₹2 lakh/year = ₹16,667/month on card
→ Regular users easily achieve this
Lounge Access Benefit
Lounge access: Up to 4 complimentary domestic airport lounge access per year on spending minimum ₹50,000 during the previous 3 months.
Honest note: The ₹50,000 spend condition in the previous 3 months is a meaningful threshold. For moderate card users — this benefit may not always trigger. Factor this honestly into your decision.
Fuel Surcharge Waiver
1% fuel surcharge waiver of up to ₹500 per month on fuel spends worth ₹400 to ₹4,000.
For someone filling fuel regularly — this saves approximately ₹100-500 monthly.
Apply Right Now
The how to apply Axis Bank ACE credit card process takes under 10 minutes. Mobile number. Annual income. Date of birth. PIN code. CAPTCHA. That is all you need to begin.
👉 Apply for Axis Bank ACE Credit Card
And if you want the complete framework for building wealth as an Indian — download the free guide 7 Money Moves to Make Before You Turn 30 free when you subscribe to the Building Dhan newsletter at buildingdhan.in.
Disclosure: This is not financial advice. This post contains affiliate links.
Building Dhan helps everyday Indians build financial independence through simple, actionable strategies. From investing and saving to the tools and services that power smarter money and business decisions, we break it all down into steps anyone can follow.