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Side-by-Side Comparison|Updated March 2026

Axis Bank ACE Credit Card vs Axis Bank Reserve 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

Axis Bank Reserve Credit Card

8.2/10
Annual Fee₹50,000
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank ACE Credit CardAxis Bank Reserve Credit Card
Annual Fee₹499₹50,000
Joining Fee₹499₹50,000
Fee Waiver Spend₹2,00,000₹35,00,000
Base Reward Rate1%0.2%
Reward CurrencyCashbackEDGE REWARD Points
NetworkVisaVisa
Editor Rating8.5/108.2/10
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

Axis Bank Reserve Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on members with 12 guest visits.
  • Comprehensive luxury hotel memberships including Accor Plus, Club Marriott, and ITC Culinaire.
  • Low foreign currency markup fee of 1.5%, ideal for high international spenders.
  • 8 complimentary VIP Airport Concierge services for seamless check-in and immigration.

Cons

  • High annual fee of ₹50,000 with no renewal bonus points (discontinued April 2024).
  • Steep annual fee waiver threshold of ₹35 Lakhs.
  • Significant reward exclusions including fuel, gold, insurance, and utilities.

Our Verdict

Axis Bank ACE Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Reserve Credit 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 Axis Bank Reserve Credit Card if

Offers unparalleled airport services, unlimited lounge access for family, and premium hotel memberships.

Frequently Asked Questions

Which is better: Axis Bank ACE Credit Card or Axis Bank Reserve Credit Card?
Axis Bank ACE Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Reserve Credit 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 Axis Bank Reserve Credit Card?
Axis Bank ACE Credit Card has an annual fee of ₹499, while Axis Bank Reserve Credit Card has an annual fee of ₹50,000. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend. Axis Bank Reserve Credit Card offers a fee waiver on ₹35,00,000 annual spend.
Which card has better rewards: Axis Bank ACE Credit Card or Axis Bank Reserve Credit Card?
Axis Bank ACE Credit Card offers a base reward rate of 1%. Axis Bank Reserve Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank ACE Credit Card and Axis Bank Reserve Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank ACE Credit Card and Axis Bank Reserve Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank ACE Credit Card or Axis Bank Reserve 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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