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Axis Ace card via Google pay - is it worth?

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Comrade
stoptomove
I am getting offer to apply axis ace credit card via google pay. A 500 cashback offer is there.
I have fk and myzone.
Is it worth apply for ace card. If yes then will Axis allow 3rd card?

Screenshot20240308-131914GPay

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Pro Entertainer Pro Entertainer
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Need hai toh lelo, else avoid, yearly fee nikalna mushkil ho Jata hai kaio ke liy

The PostMighty The PostMighty
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If anyone asked me what card would I like to have if I was allowed only one then it would be this one. Not Infinia or Millennia or SBI Cashback.

The 2% unlimited cashback online/offline is unbeatable. No other card comes close. Yes, the premium cards have a flat 3.33% reward rate but that is in the form of points and not cashback. Points do not equal cashback.

Plus the 5% OFF on recharges/bills and 4% OFF on Ola, Swiggy and Zomato up to Rs 500/month combined is a deal. That's Rs 10k of recharges/bills or Rs 12.5k of Ola, Swiggy, Zomato spends or a combination of both (for example - Rs 5k here, Rs 6.25k there). There are also 4 lounge accesses in Metro airports per year. Tier-2 airports are out of scope.

Location can be a problem. My friends in Goa can't apply for it because none of the Goan pincodes are servicable. I have read posts that Axis will do address verification via at least one document (Aadhar, Passport); so better not to try any tricks there.

Deal Newbie Deal Newbie
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To streamline my finances and maximize cashback, I've adopted a simple system:

  • Online Shopping: I use the SBI Cashback Card for all online purchases, taking advantage of their generous up-to-5% cashback offer.
  • Offline Shopping: The Axis ACE Card has become my go-to card for offline transactions, earning a consistent 2% cashback.
  • UPI Payments: When it comes to UPI payments, I leverage the HDFC Tata neu Credit Card, which rewards me with 1% cashback in the form of Coins.
  • Movie Buff Perk: For my movie-loving side, the RBL Movies and More (PLAY) Card comes in handy. With a monthly spend of ₹5,000, I score 2 free BMS movie tickets!

Cashback Reigns Supreme: I prioritize cashback over reward points for their straightforward value. Plus, clearing my credit card bills through the HDFC Bill Pay section nets me an additional 1% cashback, further sweetening the deal.

106 Comments  |  
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Talk-Of-The-Town Talk-Of-The-Town
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sabko nahi milta hai ye card...mil raha hai to lelo

Comrade Comrade
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3rd card ? Axis will allow ? Have not checked as its at google pay dont know its pre-approved or not.

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Like Magnet Like Magnet
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yes , axis allows third card , just take it. it's Best for offline spends.

Comrade Comrade
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Is there any cooling of period between two cards?

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Pro Entertainer Pro Entertainer
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Need hai toh lelo, else avoid, yearly fee nikalna mushkil ho Jata hai kaio ke liy

Comrade Comrade
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Oh ok

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Vanguard Vanguard
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Yes it's best for offline spends and utility bill payment.... Must take

Helpful Helpful
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What offer on offline?

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The PostMighty The PostMighty
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If anyone asked me what card would I like to have if I was allowed only one then it would be this one. Not Infinia or Millennia or SBI Cashback.

The 2% unlimited cashback online/offline is unbeatable. No other card comes close. Yes, the premium cards have a flat 3.33% reward rate but that is in the form of points and not cashback. Points do not equal cashback.

Plus the 5% OFF on recharges/bills and 4% OFF on Ola, Swiggy and Zomato up to Rs 500/month combined is a deal. That's Rs 10k of recharges/bills or Rs 12.5k of Ola, Swiggy, Zomato spends or a combination of both (for example - Rs 5k here, Rs 6.25k there). There are also 4 lounge accesses in Metro airports per year. Tier-2 airports are out of scope.

Location can be a problem. My friends in Goa can't apply for it because none of the Goan pincodes are servicable. I have read posts that Axis will do address verification via at least one document (Aadhar, Passport); so better not to try any tricks there.

Generous Generous
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Are you sure about Lounge Claim ?

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Crusader Crusader
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Firstly..the offer is not available for users who hold axis credit cards already ..

So u will not be eligible for the offer..

When u proceed to next page..

Error screen will show up as OFFER IS NOT AVAILABLE.. @stoptomove

Comrade Comrade
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That was my doubt also, thanks
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Crusader Crusader
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If your other axis credit cards are 3 to 6 months old..

Try checking in the pre-approved section of the axis app..many got it

Comrade Comrade
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Its less then 3 month
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Deal Cadet Deal Cadet
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Have already have FreeCharge Axis card,Applied today on gpay,it shows your application have been reviewed,check status here,and the status page shows as below pic-

Screenshot2024-03-09-10-48-43-744336b74596784d9a2aa81f87c2016f50

Comrade Comrade
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If you apply directly from axis site gpay cash back will be lost

Deal Lieutenant Deal Lieutenant
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Mine got decline even with 30l per year 😝

Comrade Comrade
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I was also getting it as pre-approved offer for existing card holders. But opted for a ltf version other then ace. Will wait for cooling off period then will apply again if offered

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Deal Cadet Deal Cadet
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Best card for many reasons. You can easily recover your fees.

Deal Newbie Deal Newbie
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Just want to highlight this card is useless if you have apple phone sad

Comrade Comrade
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scream

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Deal Newbie Deal Newbie
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To streamline my finances and maximize cashback, I've adopted a simple system:

  • Online Shopping: I use the SBI Cashback Card for all online purchases, taking advantage of their generous up-to-5% cashback offer.
  • Offline Shopping: The Axis ACE Card has become my go-to card for offline transactions, earning a consistent 2% cashback.
  • UPI Payments: When it comes to UPI payments, I leverage the HDFC Tata neu Credit Card, which rewards me with 1% cashback in the form of Coins.
  • Movie Buff Perk: For my movie-loving side, the RBL Movies and More (PLAY) Card comes in handy. With a monthly spend of ₹5,000, I score 2 free BMS movie tickets!

Cashback Reigns Supreme: I prioritize cashback over reward points for their straightforward value. Plus, clearing my credit card bills through the HDFC Bill Pay section nets me an additional 1% cashback, further sweetening the deal.

Vanguard Vanguard
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Ace Card is much sought after for sure...

However, i've had bad experience overall with Axis,

Been stuck with Basic Limit for more than 2 years...

Plus, When the agent came for verification, he kept insisting to open a Bank Account,

Kept following up day after day,

They keep your documents hostage, until you give in! I hate the competitive environment that Axis forces them...

Deal Subedar Deal Subedar
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I thought Axis Airtel was better than Axis Ace....  ?

Investor Guru Investor Guru
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It's but cashbacks are capped to 300 rupees per category with the exception of Bigbasket, where the cashback is capped to 500 rupees. 🙂

Deal Cadet Deal Cadet
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Hi,

Which is the best LTF card with Free Airport Lounge access benefit (without minimum quarterly spending limitation clause) ?

Savings Mentor Savings Mentor
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It is worth if you are getting easily but Airtel Axis I think is better. I first got My Zone via Cash K, then Kiwi RuPay pre-approved and finally Ace pre-approved in Feb from Axis Mobile app. I am using Ace but not finding it that rewarding. If anyone wants to use me Ace for unlimited 2% CB, they're welcome to. Honestly I don't find it that rewarding. 2% of even a big amount is a smaller amount. There are better rewarding cards IMHO.

Blaze Blaze
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Tata Neu Infinity is the best

Deal Cadet Deal Cadet
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Chargeable 1499+ gst from 2nd  year onwards?

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Finance Mentor Finance Mentor
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It's showing for me too, same offer, but I think axis doesn't like self-employed people with work address same as residence, so didn't apply yet, historically they declined every card I've applied for... any suggestions?

Comrade Comrade
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Many banks do this yes, hdfc, better to arrange a work address different then your residence.
View 8 more replies
Deal Newbie Deal Newbie
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I have 4 cards in axis

1.axis Flipkart

2.axis ace

3.airtel axis

4.myzone LTF..

Deal Subedar Deal Subedar
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Me too. Fk ltf, neo ltf, fc, air

Benevolent Benevolent
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After recent devaluation it has lost its charm.It's not worth it anymore.Moreover, due to Ax$h!t's bizarre so called "internal policies" you risk unfair rejection and uncessary CIBIL hit.

Comrade Comrade
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✅️
Hunk Hunk
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Is it over 45 days because mine was reversed just after completing the 10k. Even before 1st billing

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Hunk Hunk
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Worth it bro

Deal Newbie Deal Newbie
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They rejected it after 10days .. don't know axis always rejects my application..I have sbi icici HDFC kotak

Benevolent Benevolent
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Yahi to Ax$h!t ki innnterrrrnallll policy ka kamaal hai. sweat_smile Even Elon Musk can get denied.

Deal Cadet Deal Cadet
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I applied yesterday after reading this thread. They have asked me to conduct the video verification, does that mean my application has been approved or can it still be rejected after this stage? Thanks.

Benevolent Benevolent
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VKYC is just a part of verification process,card hasn't been approved yet.Ax$hit can do anything.Can cancel even after dispatching it.Thanks to its internal organs & interrrrrrrrnal policy. sweat_smile

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Deal Newbie Deal Newbie
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If u have already Axis Card then Gpay will say sorry to you joy

Deal Subedar Deal Subedar
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Ace is a excellent card just for the unlimited 2% base cashback everything else is a bonus

Cool Cool
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If I swip this card in offline store

It is eligible for 2% cashback?

Like Magnet Like Magnet
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yup.

Deal Newbie Deal Newbie
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Is it possible to make this card as ltf?

Heart of Gold Heart of Gold
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Axis Ace credit card itself is hard to get now forget about making it LTF.
Deal Newbie Deal Newbie
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Ace is the best. I bought a fridge during the Flipkart sale with 10% instant discount for Axis card, 2% cashback on the statement, and also shopped through the Grab Deal for an extra 5% cashback after 90 days. In total, that’s a whopping 17% savings! 😇

Comrade Comrade
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17% Wow
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