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Airtel Axis Bank Credit Card VS Axis Bank ACE Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 17 July 2026

Both Airtel Axis Bank Credit Card and Axis Bank ACE Credit Card suit utilities-focused spenders, but they earn and cost differently. Airtel Axis Bank Credit Card costs ₹500 + GST and earns 25% on Airtel services, 10% on utilities/partners, 1% on others (RuPay UPI included). Axis Bank ACE Credit Card costs ₹499 + GST and earns 5% cashback on Google Pay utility bills, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends. Airtel Axis Bank Credit Card also brings get an Amazon eVoucher worth ₹250 on making the first transaction within 30 days of card issuance, while Axis Bank ACE Credit Card counters with 4 complimentary airport lounge visits to select domestic airport lounges per calendar year. Weigh the fee against the reward rate above to see which fits your spending pattern better.

Airtel Axis Bank Credit Card
Airtel Axis Bank Credit Card
Axis Bank ACE Credit Card
Axis Bank ACE Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹499 + GST
Renewal Fee₹500 + GST
Renewal Fee₹499 + GST
Spend Based WaiverAnnual fee waived on ₹2,00,000+ annual spends (excl. rent/wallet loads).
Spend Based WaiverJoining fee waived on ₹10,000 spend in 45 days. Annual fee waived on ₹2,00,000 annual spend.
Foreign Transaction Fees3.50% of transaction value; 1.5% DCC markup.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases and cash.
Interest Rate (APR)3.75% per month or 55.55% annualized on retail purchases and cash.

Rewards & Benefits

Welcome BonusGet an Amazon eVoucher worth ₹250 on making the first transaction within 30 days of card issuance.
Welcome Bonus
Rewards Rate25% on Airtel services, 10% on utilities/partners, 1% on others (RuPay UPI included).
Rewards RateEarn 5% cashback on Google Pay utility bills, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Reward TypeCashback
Reward TypeCashback
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access4 complimentary airport lounge visits to select domestic airport lounges per calendar year.
International Lounge Access
International Lounge Access
Travel BenefitsUp to 15% savings on flights & hotels via Goibibo/MakeMyTrip on Wednesdays.
Travel Benefits
Movie Benefits10% value back on District Movies (up to ₹200 per month).
Movie Benefits
Dining Benefits10% value back on Zomato; 15% off up to ₹500 at 4000+ restaurants via Dining Delights.
Dining BenefitsUp to 15% discount on dining bills at over 4,000 partner restaurants under Dining Delights.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on ₹400-₹4,000 transactions, capped at ₹500/month.
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹4,000, max ₹500 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance ChargesMin ₹500 up to 2.5% of cash withdrawal amount.
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Airtel Axis Bank Credit Card

Axis Bank ACE Credit Card

Who is it for?

The Airtel Axis Bank Credit Card is a co-branded card for Airtel users, offering cashback on Airtel services, utility bills, and partner brands like Zomato and Blinkit. While its reward structure was devalued in April 2026, it still provides value for specific spending patterns. It's best suited for heavy Airtel users who also frequently spend on dining and shopping, and are willing to manage their overall spending to maximize benefits.

Who is it for?

The Axis Bank ACE Credit Card, in partnership with Google Pay and Visa, is an entry-level cashback card ideal for young professionals. It offers high cashback on utility bills and mobile recharges via Google Pay, and on platforms like Swiggy, Zomato, and Ola. Cardholders also enjoy complimentary domestic airport lounge access, making it a versatile everyday companion for accelerated rewards.

Pros

Key benefits and features.

Offers 10% value back on Zomato, Blinkit, and District Movies (up to ₹200 per partner per month).

Provides 25% cashback on Airtel services and 10% on utility bills via Airtel Thanks app.

Includes a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.

Pros

Key benefits and features.

High cashback rates: 5% on Google Pay bills/recharges and 4% on Swiggy, Zomato, Ola.

Includes 4 complimentary domestic airport lounge accesses, rare for entry-level cards.

No maximum capping on the regular 1.5% cashback earned on all other spends.

Annual fee of ₹499 is easily waived off on an annual expenditure of ₹2,00,000.

Cons

Key drawbacks and limitations.

Reward structure is complicated; higher cashback depends on 1% category spend.

Complimentary airport lounge access has been removed after the devaluation.

The card is not lifetime free and comes with an annual fee, though it can be waived.

Cons

Key drawbacks and limitations.

No cashback on specific categories like fuel, wallet reloads, EMIs, gold items, and cash advances.

The accelerated 5% cashback on Google Pay is exclusively valid on the Android application.

Cashback earned at non-partner merchants (excluding key platforms) is a standard 1.5%.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Airtel Axis Bank Credit Card(opens in new tab)Apply for Axis Bank ACE Credit Card(opens in new tab)