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Axis Bank ACE Credit Card VS DBS Spark 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 Axis Bank ACE Credit Card and DBS Spark Credit Card suit shopping-focused spenders, but they earn and cost differently. Axis Bank ACE Credit Card costs ₹499 + GST and earns up to 5% cashback on utilities via GPay, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends. DBS Spark Credit Card costs ₹499 + GST and earns 2 Cash Points on every ₹200 spent across all DBS Spark Credit Card variants. Axis Bank ACE Credit Card also brings 4 complimentary lounge visits per calendar year at select domestic airports, while DBS Spark Credit Card counters with get 1-2 complimentary domestic lounge accesses per quarter, depending on your Spark variant. Weigh the fee against the reward rate above to see which fits your spending pattern better.

Axis Bank ACE Credit Card
Axis Bank ACE Credit Card
DBS Spark Credit Card
DBS Spark Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹499 + GST
Renewal Fee₹499 + GST
Renewal Fee₹499 + 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 spending ₹1.5L (Spark 5), ₹2L (Spark 10), or ₹2.5L (Spark 20) annually.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction FeesA foreign currency markup of 3.5% applies to all international transactions.
Interest Rate (APR)3.75% per month or 55.55% annualized on retail purchases and cash.
Interest Rate (APR)Monthly interest rates range from 3.5% to 4% (42% to 48% per annum).

Rewards & Benefits

Welcome Bonus
Welcome BonusReceive up to 7,500 Cash Points on your first transaction after card setup and fee payment.
Rewards RateEarn 5% cashback on Google Pay utility bills, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Rewards RateEarn 2 Cash Points on every ₹200 spent across all DBS Spark Credit Card variants.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeA fee of ₹99 + GST is charged for redeeming your accumulated Cash Points.

Travel & Lifestyle

Domestic Lounge Access4 complimentary airport lounge visits to select domestic airport lounges per calendar year.
Domestic Lounge AccessGet 1-2 complimentary domestic lounge accesses per quarter, depending on your Spark variant.
International Lounge Access
International Lounge Access
Travel Benefits
Travel BenefitsAccess special deals on flights, hotels, and instantly redeem Cash Points for travel bookings.
Movie Benefits
Movie BenefitsEnjoy 'Buy 1 Get 1' offer on BookMyShow, saving up to ₹200 on the second ticket.
Dining BenefitsUp to 15% discount on dining bills at over 4,000 partner restaurants under Dining Delights.
Dining BenefitsEarn up to 20X Cash Points on monthly dining spends with the DBS Spark 20 variant.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹4,000, max ₹500 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver, capped at ₹100-₹250 monthly based on card variant.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum of ₹500.
Cash Advance ChargesCash advance charges are 2.5% of the amount withdrawn from the card.
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Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank ACE Credit Card

DBS Spark 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 DBS Spark Credit Card is an entry to mid-range card offering customizable benefits across three variants: Spark 5, 10, and 20. It provides assured Cash Points, milestone rewards, complimentary domestic lounge access, and BookMyShow offers. Ideal for young shopping enthusiasts seeking an affordable and rewarding credit card experience.

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 three variants (Spark 5, 10, 20) for flexible choice based on budget and needs.

Includes attractive features like BOGO movie offers and complimentary domestic lounge access.

Strong rewards program with welcome bonuses, assured Cash Points, and milestone rewards.

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 DBS Spark Credit Card does not provide any international lounge access benefits.

Cash Points cannot be earned on fuel, rent, wallet load, and EMI transactions.

A redemption fee of ₹99 + GST is applicable when redeeming your earned Cash Points.

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 DBS Spark Credit Card(opens in new tab)