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Features & Benefits

Cashback on every spend*

5% cashback* on bill payments (electricity, internet, gas, and more) &DTH and mobile recharges on Google Pay
4% cashback* on Swiggy, Zomato & Ola
2% cashback* on all other spends

For terms and conditions, click here

Lounge Access

Enjoy 4 complimentary lounge visits per calendar year at select domestic airports with your ACE Credit Card. For list of airports and detailed terms and conditions, click here

Fuel Surcharge waiver

1% fuel surcharge waiver on fuel purchases at all fuel stations across India
Valid on transactions between Rs. 400 to Rs. 4000; Maximum benefit of up to Rs. 500 per statement
GST charged on fuel surcharge won’t be refundable
No cashback is earned on fuel transactions

Dining Delights

Indulge in delectable cuisines and enjoy up to 20% off at 4000+ partner restaurants in India. click here for more details

Convert purchases to EMI

No matter how big your next Credit Card purchase, go right ahead. Just contact us and convert your transaction of Rs. 2,500 or more into EMI. To know more, click here.

Value Chart

Details	Annual Spends (Rs)	Cashback (Rs)	Discount/Benefits (Rs)
Utility Bill pay & recharge on Google Pay	30,000	500
Online Food Delivery (Swiggy & Zomato)	36,000
Ride Sharing (Ola)	24,000
Other Spends	66,000	1,320
Lounge Visits			4,000
Fuel Spends	24,000		240
Dining Spends	24,000	480	6,000
Joining Fee Reversal			499
Annual Fee Waiver			499
Total Annual Spends	2,04,000	2,300	11,238
Total Annual Benefits			13538 (~6.6%)

*Please note that above figures are indicative

Fees & Charges

Descriptions	Charges
Joining Fee	Rs. 499. Joining fee waived off on spends greater than Rs.10,000 within 45 days of card issuance
Annual Fee	2^nd year onward: Rs. 499 Annual Fee waived off on annual spends greater than Rs. 2,00,000 Rent transactions (MCC 6513) and wallet load transactions (MCC 6540) will not be eligible for spends counted in availing annual fee waiver.
Card Replacement fee	Nil
Cash Payment fee	Rs.100
Duplicate Statement Fee	Waived
Charge slip retrieval fee or copy request fee	Waived
Outstation cheque fee	Waived
Mobile alerts for transactions	Free
Balance enquiry charges	Waived
Finance Charges (Retail purchases and Cash)	3.6% per month (52.86% per annum)
Cash Withdrawal Fee	2.5% (Min. Rs. 500) of the cash amount
Overdue penalty or Late payment fees	Nil if total payment Due is upto Rs. 500 Rs. 500 if total payment due is between Rs. 501 - Rs. 5000 Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000 Rs. 1200 if total payment due is Rs. 10,001 and above
Over limit penalty	2.5% of the over limit amount (Min Rs.500)
Cheque return or dishonor fee or auto-debit reversal	2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,500
Surcharge on purchase or cancellation of railway tickets	As prescribed by IRCTC/Indian Railways
Foreign currency transaction fee	3.5% of the transaction value
Reward Redemption fee	No
Rent Transaction fee (Applicable from 5th March 2023)	1% capped at INR 1,500 per transaction on rental transactions
Dynamic Currency Conversion markup (Applicable from 5th March 2023)	1% on International transaction performed in Indian currency at International location or transactions performed in Indian currency with merchants located in Indian but registered in foreign nation