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Side-by-Side Comparison|Updated March 2026

Delhi Metro SBI 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.

SBI Card

Delhi Metro SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
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

FeatureDelhi Metro SBI CardAxis Bank ACE Credit Card
Annual Fee₹499₹499
Joining Fee₹499₹499
Fee Waiver Spend₹1,00,000₹2,00,000
Base Reward Rate0.25%1%
Reward CurrencyReward PointsCashback
NetworkVisaVisa
Editor Rating7.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Delhi Metro SBI Card

  • 0% on Dining
  • 0% on Movies
  • 0% on Groceries
  • 0% on Departmental Stores
  • 0% on Utility Bill Payments

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

Delhi Metro SBI Card

Pros

  • Dual-purpose card functioning as both a credit card and a Delhi Metro Smart Card.
  • Auto top-up facility of ₹200 whenever the metro balance falls below ₹100.
  • 10x reward points on daily essentials like groceries, dining, and utility bills.
  • 10% discount on Delhi Metro fares, consistent with standard smart card benefits.

Cons

  • Monthly reward points are capped at 5,000 per statement cycle.
  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on non-accelerated categories.

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, Delhi Metro SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Delhi Metro SBI Card if

The auto top-up and fare discounts make it highly convenient for regular Delhi Metro users.

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: Delhi Metro SBI Card or Axis Bank ACE Credit Card?
Axis Bank ACE Credit Card edges ahead overall with a stronger combination of rewards and value. However, Delhi Metro SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Delhi Metro SBI Card and Axis Bank ACE Credit Card?
Delhi Metro SBI Card has an annual fee of ₹499, while Axis Bank ACE Credit Card has an annual fee of ₹499. Delhi Metro SBI Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Delhi Metro SBI Card or Axis Bank ACE Credit Card?
Delhi Metro SBI Card offers a base reward rate of 0.25% with accelerated rewards on Dining and Movies. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Delhi Metro SBI Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Delhi Metro SBI Card and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Delhi Metro SBI Card or Axis Bank ACE Credit Card?
For beginners, Delhi Metro SBI 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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