Axis Bank ACE Credit Card Vs. Axis Bank Cashback Credit Card

Axis Bank ACE Credit Card

Axis Bank ACE Credit Card

Axis Bank Cashback Credit Card

Axis Bank Cashback Credit Card

Comparison of Axis Bank ACE Credit Card and Axis Bank Cashback Credit Card

Feature	Axis Bank ACE Credit Card	Axis Bank Cashback Credit Card
Annual Fee	₹499 + GST (~₹589)	₹1,000 + GST (~₹1,180)
Joining Fee	₹499 + GST (~₹589)	₹1,000 + GST (~₹1,180)
Welcome Benefits	Joining fee of ₹499 + GST will be reversed on spends of ₹10,000 within 45 days of card issuance	Receive 5,000 Edge Reward points (worth ₹1,000) upon card activation, effectively offsetting the joining fee.
Interest Rate (APR)	3.75% per month (55.55% annually)	N/A
Foreign Currency Markup	3.5% + GST	3.5% + GST (~4.13%)
Key Highlights	•Cashback on Bill Payments •Food & Travel Rewards •Base Cashback Rate •Complimentary Lounge Access •Fuel Surcharge Waiver •Interest-Free Period	•Tiered Online Cashback Programme •Offline & Travel Cashback •Utility Spends Cashback •Welcome Benefit •Dining Benefits •Annual Fee Waiver •Auto Cashback Credit
Dos	Use Google Pay for all utility bill payments to maximise the 5% cashback benefit Pay your credit card bill in full before the due date to avoid interest charges Track your monthly cashback earnings to optimise spending before reaching the cashback cap Link the card with the Axis Bank mobile app to receive instant transaction alerts Convert high-value purchases into EMIs to manage cash flow better	Use this card for all online shopping, food delivery, subscriptions, and e-commerce purchases to maximise tiered cashback Keep monthly online spends above ₹40,000 to unlock the 7% cashback tier and maximise monthly returns Use the card for utility bill payments (electricity, water, gas) to earn 0.5% cashback a benefit not available on many competing cards Use the EazyDiner 25% dining discount once a month to add offline savings to your card usage Aim to spend ₹4,00,000 in eligible annual spending to waive the annual fee and make the card effectively free
Don'ts	Don't exceed your credit limit, as it attracts over-limit penalty charges Don't use the card for cash advances due to high fees and immediate interest Don't miss even the minimum payment—late payment charges can go up to ₹1,200 Don't expect cashback on excluded categories such as fuel, wallet loads, EMI, and rent Don't ignore transaction alerts, as they help in preventing fraud	Don't use this card for fuel, rent, or wallet loads. These are excluded from cashback and will only earn 0.75% (offline rate) at best Avoid using this card for international transactions due to the high 3.5% + GST forex markup Don't miss the minimum payment deadline to avoid late fees and credit score damage Never carry a balance beyond the due date, as finance charges of 3.75% per month will far exceed any cashback earned Don't expect airport lounge access. This card does not include complimentary lounge visits

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