ACE Credit Card
Rs 499Annual fee
Rs 2,00,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- Complimentary domestic lounge access is subject to a spend threshold of ₹50,000 in the previous three calendar months (effective 1st May 2024). Spend criteria is waived for the month of card issuance and the next three months.
3.5%Forex markup
Best for
Cashback, Utility Bills, Food Delivery, Ola, Everyday Spends
Top rewards
Utility Bill Payments And Recharges On Google Pay: 5% cashback; Swiggy, Zomato, And Ola: 4% cashback; Other Eligible Spends: 1.5% cashback
Airtel Credit Card
Rs 500Annual fee
Rs 2,00,000Fee waiver spend
0Domestic lounge
Domestic lounge conditions
- Effective 12 April 2026: Domestic lounge access (previously 4 visits/year with ₹50,000/3-month spend gate) has been discontinued.
3.5%Forex markup
Best for
Airtel, Utility Bills, Zomato, Blinkit, Cashback
Top rewards
Zomato And Blinkit (min ₹499/Order, Value Into Partner Wallet): 10% value-back; Airtel Recharges And Bill Payments Via Airtel Thanks App: 25% cashback; Utility Bill Payments Via Airtel Thanks App: 10% cashback
| Feature | ACE Credit Card | Airtel Credit Card |
|---|---|---|
| Issuer | Axis Bank | Axis Bank |
| Network | Visa | Mastercard |
| Joining fee | Rs 499 | Rs 500 |
| Annual fee | Rs 499 | Rs 500 |
| Fee waiver spend | Rs 2,00,000 | Rs 2,00,000 |
| Reward type | Cashback | Cashback |
| Best for | Cashback, Utility Bills, Food Delivery, Ola, Everyday Spends | Airtel, Utility Bills, Zomato, Blinkit, Cashback |
| Top reward categories | Utility Bill Payments And Recharges On Google Pay: 5% cashback; Swiggy, Zomato, And Ola: 4% cashback; Other Eligible Spends: 1.5% cashback | Zomato And Blinkit (min ₹499/Order, Value Into Partner Wallet): 10% value-back; Airtel Recharges And Bill Payments Via Airtel Thanks App: 25% cashback; Utility Bill Payments Via Airtel Thanks App: 10% cashback |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 4 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 1 per point | Not Listed |
| Key exclusions | fuel spends, rental payments, wallet loading transactions, insurance premium payments, educational services, government services | fuel, rent, wallet loading transactions, EMI transactions, purchases converted to EMI post facto, purchase of jewellery items |