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Side-by-Side Comparison|Updated March 2026

Axis Bank ACE Credit Card vs Apollo SBI 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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SBI Card

Apollo SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureAxis Bank ACE Credit CardApollo SBI Card
Annual Fee₹499₹499
Joining Fee₹499₹499
Fee Waiver Spend₹2,00,000₹1,00,000
Base Reward Rate1%0.25%
Reward CurrencyCashbackReward Points
NetworkVisaMastercard
Editor Rating8.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank ACE Credit Card

No accelerated rewards listed

Apollo SBI Card

  • 0% on Apollo Services
  • 0% on Dining, Movies & Entertainment
  • 0% on Beauty & Wellness

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

Apollo SBI Card

Pros

  • 3% value back (3X points) on all Apollo services including pharmacy and clinics
  • 1:1 redemption ratio where 1 Reward Point equals ₹1 at Apollo POS
  • Complimentary OneApollo Gold Tier membership for the first year
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh

Cons

  • No airport lounge access (available only on the Select variant)
  • Low base reward rate of 0.5% on general spends
  • Rewards are primarily valuable only within the Apollo ecosystem

Our Verdict

Axis Bank ACE Credit Card edges ahead overall with a stronger combination of rewards and value. However, Apollo SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank ACE Credit Card if

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

Choose Apollo SBI Card if

Frequent users of Apollo Pharmacy and Apollo 24/7 app benefit from high reward rates and instant discounts.

Frequently Asked Questions

Which is better: Axis Bank ACE Credit Card or Apollo SBI Card?
Axis Bank ACE Credit Card edges ahead overall with a stronger combination of rewards and value. However, Apollo SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank ACE Credit Card and Apollo SBI Card?
Axis Bank ACE Credit Card has an annual fee of ₹499, while Apollo SBI Card has an annual fee of ₹499. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend. Apollo SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Axis Bank ACE Credit Card or Apollo SBI Card?
Axis Bank ACE Credit Card offers a base reward rate of 1%. Apollo SBI Card offers 0.25% base rewards with bonuses on Apollo Services and Dining, Movies & Entertainment. The better choice depends on your primary spending categories.
Can I have both Axis Bank ACE Credit Card and Apollo SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank ACE Credit Card and Apollo SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank ACE Credit Card or Apollo SBI 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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