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Side-by-Side Comparison|Updated March 2026

Samsung Axis Bank Signature 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

Samsung Axis Bank Signature Credit Card

7.8/10
Annual Fee₹500
Base Rewards1%
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

FeatureSamsung Axis Bank Signature Credit CardAxis Bank ACE Credit Card
Annual Fee₹500₹499
Joining Fee₹500₹499
Fee Waiver Spend₹2,00,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencyEdge Reward PointsCashback
NetworkVisaVisa
Editor Rating7.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Samsung Axis Bank Signature Credit Card

  • 0% on Preferred Partners

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

Samsung Axis Bank Signature Credit Card

Pros

  • 10% flat cashback on Samsung products including EMI transactions
  • Accelerated 10 Edge Points per ₹100 on Zomato, BigBasket, and Myntra
  • Low annual fee of ₹500 with a reachable waiver at ₹2 Lakhs spend
  • 4 complimentary domestic lounge visits per year

Cons

  • Samsung cashback is capped at ₹2,500 per month and ₹10,000 per year
  • Lounge access is subject to a ₹50,000 spend in the previous quarter
  • Samsung purchases on Flipkart and Amazon are now excluded 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

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

Choose Samsung Axis Bank Signature Credit Card if

High cashback on Samsung ecosystem products like phones, tablets, and appliances.

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: Samsung Axis Bank Signature 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, Samsung Axis Bank Signature Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Samsung Axis Bank Signature Credit Card and Axis Bank ACE Credit Card?
Samsung Axis Bank Signature Credit Card has an annual fee of ₹500, while Axis Bank ACE Credit Card has an annual fee of ₹499. Samsung Axis Bank Signature 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: Samsung Axis Bank Signature Credit Card or Axis Bank ACE Credit Card?
Samsung Axis Bank Signature Credit Card offers a base reward rate of 1% with accelerated rewards on Preferred Partners. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Samsung Axis Bank Signature Credit Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Samsung Axis Bank Signature Credit Card and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Samsung Axis Bank Signature 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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