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Side-by-Side Comparison|Updated March 2026

Axis Bank Burgundy Private - The One 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

Axis Bank Burgundy Private - The One Card

9.5/10
Annual FeeFree
Base Rewards0.30000000000000004%
NetworkVisa
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Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Burgundy Private - The One CardAxis Bank ACE Credit Card
Annual FeeFree₹499
Joining FeeFree₹499
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate0.30000000000000004%1%
Reward CurrencyEDGE Reward PointsCashback
NetworkVisaVisa
Editor Rating9.5/108.5/10
Forex Markup3.5%3.5%

Pros & Cons

Axis Bank Burgundy Private - The One Card

Pros

  • Zero forex markup and zero cash withdrawal charges globally
  • Unlimited domestic and international lounge access for primary and add-on members
  • 12 complimentary guest visits per year for airport lounges
  • Complimentary premium hotel memberships: Club Marriott, Accor Plus, and Taj Epicure

Cons

  • Extremely high eligibility barrier requiring ₹5 Crore TRV
  • Reward points excluded on fuel, utilities, government, and gold spends
  • Welcome bonus of 30,000 points discontinued as of April 2024

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

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

Choose Axis Bank Burgundy Private - The One Card if

Best-in-class lifestyle and travel benefits with zero transaction fees and high-value hotel memberships.

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: Axis Bank Burgundy Private - The One Card or Axis Bank ACE Credit Card?
Axis Bank Burgundy Private - The One Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank ACE 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 Burgundy Private - The One Card and Axis Bank ACE Credit Card?
Axis Bank Burgundy Private - The One Card has no annual fee, while Axis Bank ACE Credit Card has an annual fee of ₹499. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Burgundy Private - The One Card or Axis Bank ACE Credit Card?
Axis Bank Burgundy Private - The One Card offers a base reward rate of 0.30000000000000004%. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Burgundy Private - The One Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Burgundy Private - The One Card and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Burgundy Private - The One Card or Axis Bank ACE Credit Card?
For beginners, Axis Bank Burgundy Private - The One Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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