Axis ACE is the undisputed king of Google Pay cashback in India. It offers a flat 5% cashback when you pay bills using Google Pay, 4% on Swiggy/Zomato/Ola, and 2% on all other UPI transactions. With a low ₹499 annual fee and easy fee waiver, it's one of the highest-ROI cards available.
Pros
✓ 5% on Google Pay bills is the highest UPI bill payment reward in India
✓ 2% flat on all UPI — covers every QR code payment
✓ Low entry requirement — accessible from ₹25K/month income
✓ Simple cashback: no complex points system
✓ Works with Google Pay, which is India's most popular UPI app
Cons
✗ Google Pay bill payment category has a monthly cap
✗ No lounge access
✗ Cashback not credited as statement balance — redeemable through Axis Edge Rewards
✗ Axis ACE benefits have seen periodic revisions — verify current rates
✗ Low general spend rate of 2%
What Reddit says
r/CreditCardsIndia's most recommended beginner card. "Axis ACE + HDFC Millennia is the best 2-card combo for ₹499+₹1000 annual fees" is a near-universal recommendation. Users love the simplicity of 5% on Google Pay bills.