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
₹999 + GST
Renewal Fee
₹499 + GST
₹999 + GST
Spend Based Waiver
Annual fee waived on Rs. 2 Lakh spend/year. Joining fee reversed on Rs. 10,000 spend in 45 days.
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 amount.
3.75% per month (45% per annum) on outstanding balance.
Rewards & Benefits
Welcome Bonus
Joining fee reversal on Rs. 10,000 spend within 45 days of card setup.
Not Applicable
Rewards Rate
Up to 5% cashback on utilities via GPay, 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 lounge visits per calendar year at select domestic airports.
Complimentary lounge access has been discontinued on this card.
International Lounge Access
Not Applicable
Complimentary lounge access has been discontinued on this card.
Travel Benefits
4 complimentary domestic lounge visits annually & 4% cashback on Ola rides.
Not Applicable
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Up to 15% off at 4000+ partner restaurants & 4% cashback on Swiggy/Zomato.
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel purchases (Rs. 400-4000), max Rs. 500/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2.5% of withdrawn amount, minimum Rs. 500.
2.5% of amount withdrawn or min Rs. 500, whichever is higher.