https://www.desidime.com/discussions/axis-ace-card-via-google-pay-is-it-worth?page=2#post_9957909
Axis Ace devaluation..
Unlimited 2% cashback is reduced to 1.5% cashback now
Axis Airtel card also devalued..max cashback reduced from 300 to 250
Need hai toh lelo, else avoid, yearly fee nikalna mushkil ho Jata hai kaio ke liy
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.
To streamline my finances and maximize cashback, I've adopted a simple system:
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.