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Side-by-Side Comparison|Updated March 2026

Axis Bank ACE Credit Card vs SBI Card AURUM

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

SBI Card AURUM

8.5/10
Annual Fee₹9,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank ACE Credit CardSBI Card AURUM
Annual Fee₹499₹9,999
Joining Fee₹499₹9,999
Fee Waiver Spend₹2,00,000₹12,00,000
Base Reward Rate1%1%
Reward CurrencyCashbackAURUM Reward Point
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

SBI Card AURUM

Pros

  • Welcome benefit of 40,000 points (₹10,000 value) fully offsets the joining fee.
  • Unlimited international lounge access with a rare complimentary guest visit per quarter.
  • Extensive lifestyle memberships including Club Marriott, Amazon Prime, and WSJ/Mint.
  • High-value milestone rewards including Apple and Taj vouchers worth up to ₹35,000 annually.

Cons

  • Low base reward rate of 1% compared to other super-premium cards.
  • Invite-only status makes it inaccessible to the general public.
  • High annual fee waiver threshold of ₹12 Lakhs.

Our Verdict

Both Axis Bank ACE Credit Card and SBI Card AURUM 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 SBI Card AURUM if

The card offers a suite of luxury memberships, concierge services, and a metal form factor that aligns with an elite lifestyle.

Frequently Asked Questions

Which is better: Axis Bank ACE Credit Card or SBI Card AURUM?
Both Axis Bank ACE Credit Card and SBI Card AURUM 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 SBI Card AURUM?
Axis Bank ACE Credit Card has an annual fee of ₹499, while SBI Card AURUM has an annual fee of ₹9,999. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend. SBI Card AURUM offers a fee waiver on ₹12,00,000 annual spend.
Which card has better rewards: Axis Bank ACE Credit Card or SBI Card AURUM?
Axis Bank ACE Credit Card offers a base reward rate of 1%. SBI Card AURUM offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank ACE Credit Card and SBI Card AURUM?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank ACE Credit Card and SBI Card AURUM can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank ACE Credit Card or SBI Card AURUM?
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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