Axis Bank ACE Credit Card Detailed Review

Agar aap apne vyayon par cashback pana chahte hain, toh aap Axis Bank ACE credit card ke liye aavedan kar sakte hain. Iss credit card se aapko 5% cashback milta hai jab aap apne bil aur anya recharge karte hain, jaise ki phone, DTH ya Google Pay ke madhyam se anya recharge. Aapko sabhi prakar ke kharch par 2% se 4% cashback bhi mil sakta hai.

Aap Axis Bank credit card ke liye aavedan kar sakte hain, Axis Bank ke adhikari website par jakar.

Kuch karan hain jinke karan Axis Bank ACE Credit Card ke liye aavedan karna ek accha vikalp hai:

  1. Anant cashback
  2. Desh ke domestic airport lounges mein mukt pravesh.
  3. Bharat ke bank ke saathi restauranton par bhojan par chhut.
  4. Fuel Surcharge Waiver

Axis Bank ACE Credit Card ke Features aur Labh:

Niche diye gaye hain Axis Bank ACE Credit Card ke kuch features aur labh:

  1. Har vyay par cashback
    • Google Pay ke madhyam se bijli, gas, internet, DTH jaise bill bharn par 5% cashback.
    • Swiggy, Zomato & Ola se order karne par 4% cashback.
    • Anya kharch par 2% cashback.
  2. Domestic airport lounges mein mukt pravesh: Axis Bank ACE Credit Card aapko ek calendar year mein up to 4 free domestic airport lounge visits ka adhikar deta hai.
  3. Fuel Surcharge Waiver: ACE Credit Card ke madhyam se kisi bhi fuel station mein bhugtan karne par 1% fuel surcharge ka mukti milta hai. Yeh mukti un transactions ke liye lagu hoti hai jinka transaction amount Rs.400 se Rs.4,000 ke bich hai, aur mahine bhar aapko up to Rs.500 tak ka labh mil sakta hai.

Note: Fuel surcharge par lagne wala GST non-refundable hota hai. Fuel par vyay karte waqt aap koi cashback nahi kamaenge.

Axis Bank ACE Credit Card ke liye Yogyata Maamle:

Axis Bank ACE Credit Card ke aavedan ke liye yogyata maamle niche diye gaye hain:

  1. Aapko Bharat ke nivasi hona chahiye.
  2. Aapki ayu 18 varsh se lekar 70 varsh ke beech mein honi chahiye.

Documents Required for Axis Bank ACE Credit Card

Category: Proof of Residence

Aapko kisi bhi ek prakar ke residence proof ko submit kar sakte hain:

  1. Driving Licence
  2. Passport
  3. Aadhaar Card
  4. Voter ID Card

Category: Proof of Address

Aapko kisi bhi ek prakar ke address proof ko submit kar sakte hain:

  1. PAN Card
  2. Aadhaar Card
  3. Driving License
  4. Passport
  5. Voter ID Card
  6. Electricity Bill
  7. Water Bill
  8. Any Other Document

Other Documents:

  1. Photocopy of your PAN Card
  2. A Colour Photograph
  3. Bank statement, latest pay slip, Form 16, or IT return as proof of income

Axis Bank ACE Credit Card ke Fees aur Charges

VarnanShulk
Joining FeeRs. 499 (Waived agar aap 45 din ke andar Rs. 10,000 kharch karte hain)
Annual FeeRs. 499 (Annual fee waived agar saal bhar mein kharch Rs. 2 lakh se adhik hai, 2nd saal se)
Add-on Card- Joining and AnnualNIL
Card ke replacement ka shulkMuft
Cash payment ka shulkRs. 100
Duplicate statement ka shulkMuft
Copy request ka shulkMuft
Outstation cheque ka shulkMuft
Mobile alerts ke liye transaction shulkFree
Balance enquiry ka shulkMuft
Finance charges3.4% har mahine
Cash withdrawal ka shulkCash amount ke 2.5% (Minimum Rs. 500)
Late payment feesNil agar total due amount Rs. 100 tak hai, Rs. 100 – Rs. 700 baki ke dues ke liye
Over limit penalty3% over limit amount, Minimum Rs. 500
Cheque dishonor, return, auto-debit reversal ka shulk2% amount, Minimum Rs. 450
Railway ticket purchase/cancellation par surchargeIRCTC ke dwara nirdharit
Videshi mudra transaction ka shulkTotal amount ke 3.5%
Kiraya (rent) transaction ka shulkHar transaction par 1%, maximum Rs. 1,500
Dynamic currency conversion ka shulkAntar-rashtriya transaction par 1%
Reward redemption ka shulkNahi

Value Chart

DetailsAnnual Spends (Rs)Cashback (Rs)Discount/Benefits (Rs)
Utility Bill pay & recharge on Google Pay30,000500
Online Food Delivery (Swiggy & Zomato)36,000
Ride Sharing (Ola)24,000
Other Spends66,0001,320
Lounge Visits4,000
Fuel Spends24,000240
Dining Spends24,0004806,000
Joining Fee Reversal499
Annual Fee Waiver499
Total Annual Spends2,04,0002,30011,238
Total Annual Benefits13,538 (~6.6%)

Yeh hai Axis Bank ACE Credit Card ke value chart ka vivaran, jisme annual kharch aur milne wale labh dikhaya gaya hai.

Conclusion

Axis Bank ACE Credit Card ek profitable choice hai jiski khaasiyat hai 5% cashback utility bills aur Google Pay ke zariye recharges par, saath hi milega complimentary airport lounge access aur dining discounts. Card ka fee structure, jisme joining fee reversal aur annual fee waiver shaamil hai, iske accessibility aur cost-effectiveness ko aur bhi badha deta hai.

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