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Axis Bank ACE Credit Card VS Axis Bank Cashback 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
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CheQ AU Credit Card

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CheQ AU Credit Card
Axis Bank ACE Credit Card
Axis Bank ACE Credit Card
Axis Bank Cashback Credit Card
Axis Bank Cashback Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹1,000 + GST
Renewal Fee₹499 + GST
Renewal Fee₹1,000 + GST
Spend Based WaiverJoining fee waived on ₹10,000 spend in 45 days. Annual fee waived on ₹2,00,000 annual spend.
Spend Based WaiverAnnual fee waiver on spends of ₹4,00,000 and above in an anniversary year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.50% of the transaction value
Interest Rate (APR)3.75% per month or 55.55% annualized on retail purchases and cash.
Interest Rate (APR)3.75% per month (55.55% Annual)

Rewards & Benefits

Welcome Bonus
Welcome BonusEnjoy 5,000 EDGE Reward Points worth ₹1,000 upon making the first transaction within 30 days.
Rewards RateEarn 5% cashback on Google Pay utility bills, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Rewards RateUp to 7% cashback on online spends; unlimited 0.75% on offline & travel; 0.5% on utilities.
Reward TypeCashback
Reward TypeCashback
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access4 complimentary airport lounge visits to select domestic airport lounges per calendar year.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel BenefitsUnlimited 0.75% cashback on travel-related spends.
Movie Benefits
Movie Benefits
Dining BenefitsUp to 15% discount on dining bills at over 4,000 partner restaurants under Dining Delights.
Dining BenefitsInstant discount of 25% up to ₹800 on EazyDiner once every month.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹4,000, max ₹500 per statement cycle.
Fuel Surcharge Waiver1% of transaction amount (refund not applicable). No fuel surcharge waiver.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum of ₹500.
Cash Advance Charges2.5% of the cash amount (Minimum ₹500)
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank ACE Credit Card

Axis Bank Cashback Credit Card

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.

Who is it for?

The Axis Bank Cashback Credit Card is a mid-range offering designed for individuals who prioritize straightforward cashback benefits, especially on online and everyday spending. It provides up to 7% cashback on online transactions and an unlimited 0.75% on offline and travel expenditures. With automatic cashback redemption and flexible eligibility, it's a hassle-free option for savvy shoppers looking to maximize savings.

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.

Pros

Key benefits and features.

Offers unlimited 0.75% cashback on all offline and travel spending.

Provides high cashback rates of up to 7% on online purchases.

Flexible eligibility criteria make this card accessible to many applicants.

Automatic cashback redemption process simplifies rewards management.

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%.

Cons

Key drawbacks and limitations.

The card does not offer a fuel surcharge waiver.

The spend threshold for the annual fee waiver is set quite high at ₹4 lakh.

Lacks premium features like complimentary airport lounge access or golf benefits.

Various transaction fees apply for rent, wallet load, fuel, education, and utilities.

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 Axis Bank ACE Credit Card(opens in new tab)Apply for Axis Bank Cashback Credit Card(opens in new tab)