{
  "id": "axis-ace",
  "locale": "en",
  "name": "Axis Bank Ace Credit Card",
  "bank": "Axis Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "4 Domestic visits / year (₹50,000 quarterly spend gated)",
  "rewardsRate": "5% on GPay Utilities · 4% on Swiggy/Zomato/Ola · 1.5% flat offline",
  "bestFor": "Google Pay utility bills, offline POS swipes & daily food delivery",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/axis-bank-ace-credit-card",
  "aiVerdict": {
    "score": 5,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1.5,
  "affiliateId": "axis-ace",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — ACE Credit Card schedule of charges",
    "Google Pay & Axis Bank — ACE cashback terms and capping circular"
  ],
  "feeWaiver": "Waived at ₹2 Lakh annual spend",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Google Pay Utilities",
      "value": "5% Cashback"
    },
    {
      "key": "Swiggy, Zomato & Ola",
      "value": "4% Cashback"
    },
    {
      "key": "Offline & Other Spends",
      "value": "1.5% Uncapped"
    },
    {
      "key": "Annual Fee",
      "value": "₹499 + GST"
    },
    {
      "key": "Fee Waiver",
      "value": "₹2 Lakh / year"
    },
    {
      "key": "Redemption",
      "value": "Auto statement credit"
    }
  ],
  "earnRates": [
    {
      "category": "Google Pay Utility Bills (Android)",
      "rate": "5.0%",
      "monthlyCap": "₹500 / month (shared with 4%)",
      "perLakhSpent": "₹5,000 (Capped at ₹500)"
    },
    {
      "category": "Swiggy, Zomato & Ola",
      "rate": "4.0%",
      "monthlyCap": "₹500 / month (shared with 5%)",
      "perLakhSpent": "₹4,000 (Capped at ₹500)"
    },
    {
      "category": "General Offline & Online Retail",
      "rate": "1.5%",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹1,500 Cashback"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [],
  "redemptionRoutes": [
    {
      "route": "Auto Statement Credit",
      "value": "₹1.00 per ₹1.00 cashback",
      "minPoints": "₹0 (Auto-credited)",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments via aggregator platforms.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹4,000, max ₹400/cycle).",
    "Wallet reloads, insurance premiums, and educational fees.",
    "EMI conversions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹499 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹499 + GST (Waived at ₹2 Lakh spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.75% / month (52.86% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "18–70 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹20,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹3 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}