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Axis Bank ACE Credit Card VS Google Pay Flex Axis Bank Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 17 July 2026
Axis Bank ACE Credit Card
Axis Bank ACE Credit Card
Google Pay Flex Axis Bank Credit Card
Google Pay Flex Axis Bank Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining FeeLifetime Free
Renewal Fee₹499 + GST
Renewal FeeLifetime Free
Spend Based WaiverJoining fee waived on ₹10,000 spend in 45 days. Annual fee waived on ₹2,00,000 annual spend.
Spend Based Waiver
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.50% base forex markup; 1.5% + taxes for Dynamic Currency Conversion.
Interest Rate (APR)3.75% per month or 55.55% annualized on retail purchases and cash.
Interest Rate (APR)3.75% per month (55.54% per annum) for retail purchases and cash.

Rewards & Benefits

Welcome Bonus
Welcome BonusGet a ₹250 gift card and 250 stars on the Google Pay app (subject to offers run by Google Pay).
Rewards RateEarn 5% cashback on Google Pay utility bills, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Rewards RateEarn 1 Star (₹1) for every ₹500 spent, up to 8 Stars (₹8) per ₹500 on higher spends.
Reward TypeCashback
Reward TypeCashback
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access4 complimentary airport lounge visits to select domestic airport lounges per calendar year.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Movie Benefits
Movie Benefits
Dining BenefitsUp to 15% discount on dining bills at over 4,000 partner restaurants under Dining Delights.
Dining BenefitsUp to 15% off on dining via EazyDiner, capped at ₹500 per month.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹4,000, max ₹500 per statement cycle.
Fuel Surcharge Waiver

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum of ₹500.
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank ACE Credit Card

Google Pay Flex Axis Bank Credit Card

Who is it for?

The Axis Bank ACE Credit Card, in partnership with Google Pay and Visa, is an entry-level cashback card ideal for young professionals. It offers high cashback on utility bills and mobile recharges via Google Pay, and on platforms like Swiggy, Zomato, and Ola. Cardholders also enjoy complimentary domestic airport lounge access, making it a versatile everyday companion for accelerated rewards.

Who is it for?

The Google Pay Flex Axis Bank Credit Card is a UPI-first card designed for active Google Pay users, offering a rewarding, no-fee experience. It features waived joining and annual fees, a tiered reward structure up to 8X stars on eligible spends, and instant cashback redemption directly on Google Pay. This card is ideal for individuals with moderate to high monthly spending who seek substantial cashback for everyday transactions, including fuel and dining, all managed seamlessly through the Google Pay app.

Pros

Key benefits and features.

High cashback rates: 5% on Google Pay bills/recharges and 4% on Swiggy, Zomato, Ola.

Includes 4 complimentary domestic airport lounge accesses, rare for entry-level cards.

No maximum capping on the regular 1.5% cashback earned on all other spends.

Annual fee of ₹499 is easily waived off on an annual expenditure of ₹2,00,000.

Pros

Key benefits and features.

Enjoy the benefit of zero joining and annual fees, making it a truly free card.

Benefit from high reward rates, earning up to 8X stars on cumulative spends.

Redeem earned stars instantly as cashback directly on the Google Pay app.

All fuel transactions are eligible for reward earnings, maximizing your savings.

Access exclusive dining discounts of up to 15% via EazyDiner every month.

Cons

Key drawbacks and limitations.

No cashback on specific categories like fuel, wallet reloads, EMIs, gold items, and cash advances.

The accelerated 5% cashback on Google Pay is exclusively valid on the Android application.

Cashback earned at non-partner merchants (excluding key platforms) is a standard 1.5%.

Cons

Key drawbacks and limitations.

Top reward tiers (4X, 8X) are promotional and subject to change by Google Pay.

Reward earning is based on cumulative ₹500 spend blocks, potentially causing minor rounding losses.

The card lacks explicit mention of rewards or benefits on international transactions.

This card does not offer any travel benefits such as complimentary lounge access.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis Bank ACE Credit Card(opens in new tab)Apply for Google Pay Flex Axis Bank Credit Card(opens in new tab)