Axis Bank ACE Credit Card - 5% Cashback on Google Pay, PhonePe, Ola, Swiggy, Zomato

The Axis Bank ACE Credit Card offers 5% cashback on popular bill payment and utility platforms including Google Pay, PhonePe, Paytm for bill payments, Ola, Swiggy, Zomato, and BigBasket, making it the best card in India for everyday digital transactions. The card is issued in partnership with Google and earns 2% cashback on all other online and offline transactions not covered by the 5% category. With an annual fee of just Rs 499 (waived on Rs 2 lakh annual spend), the ACE card provides exceptional value for people who make frequent digital payments. The cashback is credited directly as statement credit, which means it directly reduces your credit card bill unlike reward points that need manual redemption. Additional benefits include 20% off on INOX movie tickets (up to Rs 100 per transaction, 2 tickets per month), 1% fuel surcharge waiver, and free domestic airport lounge access. For the digitally active Indian consumer who uses multiple payment apps and food delivery services daily, the Axis Bank ACE card effectively reduces the cost of living by giving back 5% on the most frequently used platforms.