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Side-by-Side Comparison|Updated March 2026

Airtel Axis Bank Credit Card vs Axis Bank ACE Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Airtel Axis Bank Credit Card

8.5/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAirtel Axis Bank Credit CardAxis Bank ACE Credit Card
Annual Fee₹500₹499
Joining Fee₹500₹499
Fee Waiver Spend₹2,00,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencyCashbackCashback
NetworkVisaVisa
Editor Rating8.5/108.5/10
Forex Markup3.5%3.5%

Pros & Cons

Airtel Axis Bank Credit Card

Pros

  • 25% cashback on Airtel Mobile, DTH, and Broadband bills via Airtel Thanks App.
  • 10% cashback on Utility bills (Electricity, Gas, Water) via Airtel Thanks App.
  • 10% cashback on Swiggy, Zomato, and BigBasket spends.
  • Welcome benefit of ₹500 Amazon voucher effectively offsets the joining fee.

Cons

  • Monthly cashback caps (₹250 for Airtel, ₹250 for Utilities, ₹500 for Food/Grocery).
  • Lounge access is spend-based (₹50,000 in previous 3 months) and scheduled for removal in April 2026.
  • Cashback on utilities and Airtel services is only applicable if paid via the Airtel Thanks App.

Axis Bank ACE Credit Card

Pros

  • 5% cashback on utility bills and recharges via Google Pay (Android only)
  • 4% cashback on Swiggy, Zomato, and Ola with no individual merchant capping
  • Flat 1.5% uncapped cashback on all other eligible spends
  • Complimentary domestic lounge access (4 visits per year)

Cons

  • Combined monthly capping of ₹500 on 5% and 4% cashback categories
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months
  • 5% utility cashback is restricted to Google Pay on Android devices

Our Verdict

Both Airtel Axis Bank Credit Card and Axis Bank ACE Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Airtel Axis Bank Credit Card if

Unbeatable 25% return on telecom and broadband expenses.

Choose Axis Bank ACE Credit Card if

Highest cashback rate in the market for electricity, gas, and internet bills via GPay.

Frequently Asked Questions

Which is better: Airtel Axis Bank Credit Card or Axis Bank ACE Credit Card?
Both Airtel Axis Bank Credit Card and Axis Bank ACE Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Airtel Axis Bank Credit Card and Axis Bank ACE Credit Card?
Airtel Axis Bank Credit Card has an annual fee of ₹500, while Axis Bank ACE Credit Card has an annual fee of ₹499. Airtel Axis Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Airtel Axis Bank Credit Card or Axis Bank ACE Credit Card?
Airtel Axis Bank Credit Card offers a base reward rate of 1%. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Airtel Axis Bank Credit Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Airtel Axis Bank Credit Card and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Airtel Axis Bank Credit Card or Axis Bank ACE Credit Card?
For beginners, Axis Bank ACE Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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