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Side-by-Side Comparison|Updated March 2026

Axis Bank Freecharge Plus 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 Freecharge Plus Credit Card

6.5/10
Annual Fee₹350
Base Rewards1%
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 Freecharge Plus Credit CardAxis Bank ACE Credit Card
Annual Fee₹350₹499
Joining Fee₹350₹499
Fee Waiver Spend₹50,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencyCashbackCashback
NetworkVisaVisa
Editor Rating6.5/108.5/10
Forex Markup3.5%3.5%

Pros & Cons

Axis Bank Freecharge Plus Credit Card

Pros

  • 5% cashback on all bill payments and recharges made via the Freecharge app
  • 2% cashback on local commutes including Ola and Uber rides
  • Low annual fee of ₹350 with a reachable waiver threshold of ₹50,000
  • Direct statement credit of cashback, eliminating the need for manual redemption

Cons

  • Monthly cashback is capped at a relatively low limit of ₹150
  • No cashback on utility payments made outside the Freecharge platform
  • Lacks travel benefits like airport lounge access or fuel surcharge waivers

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 Freecharge Plus Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Freecharge Plus Credit Card if

Maximizes value on monthly utility bills and mobile recharges through the 5% cashback rate.

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 Freecharge Plus 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 Freecharge Plus 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 Freecharge Plus Credit Card and Axis Bank ACE Credit Card?
Axis Bank Freecharge Plus Credit Card has an annual fee of ₹350, while Axis Bank ACE Credit Card has an annual fee of ₹499. Axis Bank Freecharge Plus Credit Card offers a fee waiver on ₹50,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Freecharge Plus Credit Card or Axis Bank ACE Credit Card?
Axis Bank Freecharge Plus Credit Card offers a base reward rate of 1%. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Freecharge Plus Credit Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Freecharge Plus 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 Freecharge Plus Credit Card or Axis Bank ACE Credit Card?
For beginners, Axis Bank Freecharge Plus Credit Card may be more approachable with a lower annual fee of ₹350. However, evaluate based on your expected spending pattern rather than fee alone.

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