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Side-by-Side Comparison|Updated March 2026

Fibe Axis Bank 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

Fibe Axis Bank Credit Card

8.5/10
Annual FeeFree
Base Rewards1%
NetworkRuPay
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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

FeatureFibe Axis Bank Credit CardAxis Bank ACE Credit Card
Annual FeeFree₹499
Joining FeeFree₹499
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate1%1%
Reward CurrencyCashbackCashback
NetworkRuPayVisa
Editor Rating8.5/108.5/10
Forex Markup3.5%3.5%

Pros & Cons

Fibe Axis Bank Credit Card

Pros

  • 3% flat cashback on food delivery (Zomato, Swiggy), entertainment (BookMyShow), and local commute (Uber, Ola)
  • Lifetime Free (LTF) card with no joining or annual maintenance charges
  • Numberless card design provides enhanced security against physical card cloning
  • RuPay network allows linking to UPI apps for credit-on-UPI payments

Cons

  • Monthly cashback is capped at ₹1,500 across all categories
  • Extremely high finance charges of 3.6% per month (52.86% per annum)
  • Excludes major spending categories like rent, insurance, and education from cashback

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

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

Choose Fibe Axis Bank Credit Card if

High rewards on digital-first lifestyle spends like food delivery and ride-hailing.

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: Fibe Axis Bank Credit Card or Axis Bank ACE Credit Card?
Fibe Axis Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank ACE Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Fibe Axis Bank Credit Card and Axis Bank ACE Credit Card?
Fibe Axis Bank 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: Fibe Axis Bank Credit Card or Axis Bank ACE Credit Card?
Fibe Axis Bank 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 Fibe Axis Bank Credit Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Fibe Axis Bank Credit Card and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Fibe Axis Bank Credit Card or Axis Bank ACE Credit Card?
For beginners, Fibe Axis Bank 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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