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Side-by-Side Comparison|Updated March 2026

Axis Bank ACE Credit Card vs Airtel Axis Bank Credit Card

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

Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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Axis Bank

Airtel Axis Bank Credit Card

8.5/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank ACE Credit CardAirtel Axis Bank Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
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

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

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.

Our Verdict

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

Choose Axis Bank ACE Credit Card if

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

Choose Airtel Axis Bank Credit Card if

Unbeatable 25% return on telecom and broadband expenses.

Frequently Asked Questions

Which is better: Axis Bank ACE Credit Card or Airtel Axis Bank Credit Card?
Both Axis Bank ACE Credit Card and Airtel Axis Bank 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 Axis Bank ACE Credit Card and Airtel Axis Bank Credit Card?
Axis Bank ACE Credit Card has an annual fee of ₹499, while Airtel Axis Bank Credit Card has an annual fee of ₹500. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend. Airtel Axis Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank ACE Credit Card or Airtel Axis Bank Credit Card?
Axis Bank ACE Credit Card offers a base reward rate of 1%. Airtel Axis Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank ACE Credit Card and Airtel Axis Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank ACE Credit Card and Airtel Axis Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank ACE Credit Card or Airtel Axis Bank 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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