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Side-by-Side Comparison|Updated March 2026

Axis Bank Pride Platinum 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 Pride Platinum Credit Card

6/10
Annual Fee₹250
Base Rewards0.4%
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 Pride Platinum Credit CardAxis Bank ACE Credit Card
Annual Fee₹250₹499
Joining FeeFree₹499
Fee Waiver Spend₹20,000₹2,00,000
Base Reward Rate0.4%1%
Reward CurrencyeDGE Reward PointsCashback
NetworkVisaVisa
Editor Rating6/108.5/10
Forex Markup3.5%3.5%

Pros & Cons

Axis Bank Pride Platinum Credit Card

Pros

  • Zero joining fee and very low annual fee of ₹250
  • Extremely low annual fee waiver threshold of just ₹20,000 annual spend
  • Personalized card design featuring the Indian Tricolour for Defence personnel
  • Bonus 100 eDGE points every month on spending over ₹5,000

Cons

  • Very low base reward rate of 0.4% (4 points per ₹200)
  • No complimentary domestic or international airport lounge access
  • High finance charges of 55.55% per annum

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

Choose Axis Bank Pride Platinum Credit Card if

Specifically designed for Indian Armed Forces with a patriotic design and low maintenance cost.

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 Pride Platinum 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 Pride Platinum 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 Pride Platinum Credit Card and Axis Bank ACE Credit Card?
Axis Bank Pride Platinum Credit Card has an annual fee of ₹250, while Axis Bank ACE Credit Card has an annual fee of ₹499. Axis Bank Pride Platinum Credit Card offers a fee waiver on ₹20,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Pride Platinum Credit Card or Axis Bank ACE Credit Card?
Axis Bank Pride Platinum Credit Card offers a base reward rate of 0.4%. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Pride Platinum Credit Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Pride Platinum 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 Pride Platinum Credit Card or Axis Bank ACE Credit Card?
For beginners, Axis Bank Pride Platinum Credit Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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