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Side-by-Side Comparison|Updated March 2026

Axis Bank Rewards 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 Rewards Credit Card

7.2/10
Annual Fee₹1,000
Base Rewards0.32%
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 Rewards Credit CardAxis Bank ACE Credit Card
Annual Fee₹1,000₹499
Joining Fee₹1,000₹499
Fee Waiver Spend₹2,00,000₹2,00,000
Base Reward Rate0.32%1%
Reward CurrencyEDGE Reward PointsCashback
NetworkVisaVisa
Editor Rating7.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Rewards Credit Card

  • 0% on Apparel & Departmental Stores — 1008 pts/month

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

Axis Bank Rewards Credit Card

Pros

  • 10X EDGE Reward points on apparel and departmental store spends up to ₹7,000 per month.
  • Monthly milestone benefit of 1,500 EDGE Reward points on spending ₹30,000.
  • Flat ₹150 off on Swiggy twice a month on orders above ₹500.
  • Annual fee waiver on relatively low spending of ₹2 Lakhs per year.

Cons

  • Lounge access is subject to a high spend requirement of ₹50,000 in the previous 3 months.
  • Low reward redemption value of ₹0.20 per point.
  • Accelerated rewards are capped at a low monthly spend threshold of ₹7,000.

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

Choose Axis Bank Rewards Credit Card if

Strong rewards on apparel and departmental stores make it ideal for regular mall shoppers.

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 Rewards 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 Rewards 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 Rewards Credit Card and Axis Bank ACE Credit Card?
Axis Bank Rewards Credit Card has an annual fee of ₹1,000, while Axis Bank ACE Credit Card has an annual fee of ₹499. Axis Bank Rewards Credit Card offers a fee waiver on ₹2,00,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Rewards Credit Card or Axis Bank ACE Credit Card?
Axis Bank Rewards Credit Card offers a base reward rate of 0.32% with accelerated rewards on Apparel & Departmental Stores. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Rewards Credit Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Rewards 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 Rewards 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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