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Side-by-Side Comparison|Updated March 2026

Reliance SBI Card PRIME 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

Reliance SBI Card PRIME

8.5/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkRuPay
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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

FeatureReliance SBI Card PRIMEAxis Bank ACE Credit Card
Annual Fee₹2,999₹499
Joining Fee₹2,999₹499
Fee Waiver Spend₹3,00,000₹2,00,000
Base Reward Rate0.125%1%
Reward CurrencyReward PointsCashback
NetworkRuPayVisa
Editor Rating8.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Reliance SBI Card PRIME

  • 0% on Ajio & JioMart
  • 0% on Participating Reliance Reta...
  • 0% on Dining, Movies, Domestic Ai...

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

Reliance SBI Card PRIME

Pros

  • High 5% value back (20 RP per ₹100) on Ajio and JioMart spends.
  • Generous welcome benefit with ₹3,000 voucher covering the joining fee.
  • Comprehensive lounge access with both domestic and international visits.
  • Monthly movie benefit of ₹250 via BookMyShow with no day-of-week restrictions.

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakh.
  • Reward points are primarily valuable when redeemed for Reliance Retail vouchers.
  • Accelerated rewards on Reliance brands are capped at 7,500 points per cycle.

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

Choose Reliance SBI Card PRIME if

Maximum value back on JioMart, Ajio, Trends, and other Reliance ecosystem stores.

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: Reliance SBI Card PRIME or Axis Bank ACE Credit Card?
Axis Bank ACE Credit Card edges ahead overall with a stronger combination of rewards and value. However, Reliance SBI Card PRIME could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Reliance SBI Card PRIME and Axis Bank ACE Credit Card?
Reliance SBI Card PRIME has an annual fee of ₹2,999, while Axis Bank ACE Credit Card has an annual fee of ₹499. Reliance SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Reliance SBI Card PRIME or Axis Bank ACE Credit Card?
Reliance SBI Card PRIME offers a base reward rate of 0.125% with accelerated rewards on Ajio & JioMart and Participating Reliance Reta.... Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Reliance SBI Card PRIME and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Reliance SBI Card PRIME and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Reliance SBI Card PRIME 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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