Axis Bank ACE Credit Card vs Cashback SBI 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.
Fees & Charges
Joining Fee
₹499 + GST
Rs. 999 + Taxes/GST
Renewal Fee
₹499 + GST
Rs. 999 + Taxes/GST
Spend Based Waiver
Joining fee waived on ₹10,000 spend in 45 days; renewal fee waived on annual spend of ₹2,00,000.
Renewal Fee reversed on annual spends of Rs. 2,00,000 or more in the previous year.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5% of the international transaction value.
Interest Rate (APR)
3.75% per month (55.55% annualized) on outstanding balances.
3.75% per month (45% per annum) on outstanding balance.
Rewards & Benefits
Welcome Bonus
Joining fee can be waived off on spending ₹10,000 within 45 days of Axis Bank ACE card setup.
Not Applicable
Rewards Rate
5% on Google Pay bill payments, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
5% cashback on online spends & 1% on offline spends, max Rs. 5,000 per cycle.
Reward Type
Cashback
Cashback
Reward Redemption Fee
Nil.
₹99 per redemption transaction.
Travel & Lifestyle
Domestic Lounge Access
4 complimentary airport lounge visits per calendar year at select domestic airports.
Complimentary lounge access has been discontinued on this card.
International Lounge Access
Not offered with this card.
Complimentary lounge access has been discontinued on this card.
Travel Benefits
4 complimentary domestic airport lounge visits annually with the Axis Bank ACE Credit Card.
Not Applicable
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Up to 15% off at over 4000+ partner restaurants across India under the Dining Delights program.
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel (₹400-₹4000 transactions), max ₹500 per statement cycle.
1% waiver on fuel (Rs. 500-3000), max Rs. 100 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of withdrawn amount, subject to a minimum of ₹500.
2.5% of amount withdrawn or min Rs. 500, whichever is higher.