Axis Bank · Visa

Axis Bank ACE

5% cashback on utility and recharge payments made through Google Pay, 2% flat elsewhere.

What we've verified

Long-form review pending — we publish depth only once we've read the full terms.

Joining fee ₹499 + GST, renewal ₹499 + GST.
Annual fee waives once you spend ₹2,00,000 in a card year.
Headline earn rate: 5% on bills via Google Pay.
Includes complimentary airport lounge access (visit counts vary by tier and spend).

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HDFC Bank

Data verified

Cashback on Paytm travel, movies and wallet-linked spend with quarterly lounge visits.

3% on Paytm spendsLounge access

Annual fee

₹1,000 + GST

HDFC Bank

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5% cashback across ten popular online brands with a fee most users waive on spend.

5% on select merchantsLounge access

Annual fee

₹1,000 + GST

HDFC Bank

Best value

The strongest RuPay option, earning NeuCoins on UPI plus 5% across Tata brands.

Up to 5% NeuCoinsLounge access

Annual fee

₹1,499 + GST

Takes under a minute. We hand you off to Axis Bank's official secure application — no middlemen, no data resold.