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Side-by-Side Comparison|Updated March 2026

Axis Bank Kwik 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 Kwik Credit Card

7.2/10
Annual FeeFree
Base Rewards0.04000000000000001%
NetworkRuPay
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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 Kwik Credit CardAxis Bank ACE Credit Card
Annual FeeFree₹499
Joining FeeFree₹499
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate0.04000000000000001%1%
Reward CurrencyEDGE Reward PointsCashback
NetworkRuPayVisa
Editor Rating7.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Kwik Credit Card

  • 0% on Scan & Pay via Kiwi

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

Axis Bank Kwik Credit Card

Pros

  • Lifetime free card with zero joining and annual fees
  • Seamless UPI integration via the RuPay network and Kiwi app
  • Instant virtual card issuance upon approval
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

Cons

  • No airport lounge access or travel-specific perks
  • Low base reward rate of 0.2% (2 EDGE points per ₹200)
  • No rewards on UPI transactions below ₹2,000

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

Choose Axis Bank Kwik Credit Card if

Ideal for users who prefer UPI for small to medium merchant payments and want a virtual-first experience.

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 Kwik 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 Kwik 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 Kwik Credit Card and Axis Bank ACE Credit Card?
Axis Bank Kwik Credit 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 Kwik Credit Card or Axis Bank ACE Credit Card?
Axis Bank Kwik Credit Card offers a base reward rate of 0.04000000000000001% with accelerated rewards on Scan & Pay via Kiwi. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Kwik Credit Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Kwik 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 Kwik Credit Card or Axis Bank ACE Credit Card?
For beginners, Axis Bank Kwik Credit 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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