Axis Bank ACE Credit Card Vs. DBS Live Fresh Credit Card

Axis Bank ACE Credit Card

Axis Bank ACE Credit Card

DBS Live Fresh Credit Card

DBS Live Fresh Credit Card

Comparison of Axis Bank ACE Credit Card and DBS Live Fresh Credit Card

Feature	Axis Bank ACE Credit Card	DBS Live Fresh Credit Card
Annual Fee	₹499 + GST (~₹589)	S$196.20 annually incl. GST (First year waived)
Joining Fee	₹499 + GST (~₹589)	₹0
Welcome Benefits	Joining fee of ₹499 + GST will be reversed on spends of ₹10,000 within 45 days of card issuance	N/A
Interest Rate (APR)	3.75% per month (55.55% annually)	N/A
Foreign Currency Markup	3.5% + GST	N/A
Key Highlights	•Cashback on Bill Payments •Food & Travel Rewards •Base Cashback Rate •Complimentary Lounge Access •Fuel Surcharge Waiver •Interest-Free Period	•Zero FX Fees on Asia Spend •Shopping Cashback •Transport Cashback •Base Cashback •Sign-Up Bonus •0% Payment Plan
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	Spend at least S$800 per calendar month to unlock the full 5.7% additional cashback on shopping and transport. Use the card for all online shopping to consistently earn the 5.7% additional shopping cashback (capped at S$50/month). Always pay in-store with the Live Fresh Card when travelling in the 15 covered Asia countries to enjoy zero effective FX fees. Apply with promo code 'LFC300' if you are a new DBS/POSB cardmember to claim the S$300 sign-up cashback. Monitor your cashback caps each month (S$50 shopping, S$50 overseas, S$20 transport) and shift spend to other categories once caps are hit.
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 miss the S$800 monthly minimum spend — falling short means earning only 0.3% base cashback on all spend. Don't use the card for excluded transactions like government payments or e-wallet top-ups, as these won't count towards cashback. Don't use the card for online overseas purchases expecting zero FX fees — the 3.25% offset only applies to in-store point-of-sale transactions. Don't carry an outstanding balance — finance charges of 27.8% p.a. (daily compounding) will far exceed any cashback earned. Don't exceed your credit limit, as overlimit fees apply and it can negatively impact your credit score.

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