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Side-by-Side Comparison|Updated March 2026

Axis Bank Cashback Credit 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 Cashback Credit Card

8.2/10
Annual Fee₹1,000
Base Rewards1%
NetworkVisa
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Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Cashback Credit CardAxis Bank ACE Credit Card
Annual Fee₹1,000₹499
Joining Fee₹1,000₹499
Fee Waiver Spend₹4,00,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencyCashbackCashback
NetworkVisaVisa
Editor Rating8.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Cashback Credit Card

  • 0% on Online Spends
  • 0% on Online Spends
  • 0% on Online Spends

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

Axis Bank Cashback Credit Card

Pros

  • High tiered cashback up to 7% on online spends above ₹40,000 monthly.
  • Unlimited 0.75% cashback on all offline and travel-related transactions.
  • Welcome benefit of 5,000 EDGE points (₹1,000) fully offsets the joining fee.
  • Automatic cashback redemption as statement credit every month.

Cons

  • No complimentary domestic or international airport lounge access.
  • Complicated tiered structure for online cashback compared to flat-rate competitors.
  • Low 0.5% cashback on utility bills with a strict ₹100 monthly cap.

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

Choose Axis Bank Cashback Credit Card if

Best value for those spending over ₹40,000 monthly on online platforms to hit the 7% tier.

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 Cashback Credit Card or Axis Bank ACE Credit Card?
Axis Bank ACE Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Cashback 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 Cashback Credit Card and Axis Bank ACE Credit Card?
Axis Bank Cashback Credit Card has an annual fee of ₹1,000, while Axis Bank ACE Credit Card has an annual fee of ₹499. Axis Bank Cashback Credit Card offers a fee waiver on ₹4,00,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Cashback Credit Card or Axis Bank ACE Credit Card?
Axis Bank Cashback Credit Card offers a base reward rate of 1% with accelerated rewards on Online Spends and Online Spends. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Cashback Credit Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Cashback Credit 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 Cashback Credit Card or Axis Bank ACE 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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