Cashback Credit Card
Rs 1,000Annual fee
Rs 4,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Cashback, Online Spends, Retail, Travel, Utility Bills
Top rewards
Online Spends Up To ₹5,000/Mo: 2% cashback; Online Spends ₹5,000-40,000/Mo: 5% cashback; Online Spends Above ₹40,000/Mo: 7% cashback
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
| Feature | Cashback Credit Card | ACE Credit Card |
|---|---|---|
| Issuer | Axis Bank | Axis Bank |
| Network | Visa | Visa |
| Joining fee | Rs 1,000 | Rs 499 |
| Annual fee | Rs 1,000 | Rs 499 |
| Fee waiver spend | Rs 4,00,000 | Rs 2,00,000 |
| Reward type | Cashback | Cashback |
| Best for | Cashback, Online Spends, Retail, Travel, Utility Bills | Cashback, Utility Bills, Food Delivery, Ola, Everyday Spends |
| Top reward categories | Online Spends Up To ₹5,000/Mo: 2% cashback; Online Spends ₹5,000-40,000/Mo: 5% cashback; Online Spends Above ₹40,000/Mo: 7% cashback | Utility Bill Payments And Recharges On Google Pay: 5% cashback; Swiggy, Zomato, And Ola: 4% cashback; Other Eligible Spends: 1.5% cashback |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 4 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Annual fee waived on spends of ₹4 lakh or more in a card anniversary year | Not Listed |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 1 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Educational institution payments, Purchase of gold or jewellery | fuel spends, rental payments, wallet loading transactions, insurance premium payments, educational services, government services |