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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.

Features

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

Fees & Charges

Joining Fee
₹499 + GST
₹499 + GST
Renewal Fee
₹499 + GST
₹499 + GST
Spend Based Waiver
Annual fee waived on Rs. 2 Lakh spend/year. Joining fee reversed on Rs. 10,000 spend in 45 days.
Annual fee waiver on spending ₹1.5L (Spark 5), ₹2L (Spark 10), or ₹2.5L (Spark 20) annually.
Foreign Transaction Fees
3.5% of the transaction amount.
A foreign currency markup of 3.5% applies to all international transactions.
Interest Rate (APR)
3.75% per month (55.55% annualized) on outstanding amount.
Monthly interest rates range from 3.5% to 4% (42% to 48% per annum).

Rewards & Benefits

Welcome Bonus
Joining fee reversal on Rs. 10,000 spend within 45 days of card setup.
Receive up to 7,500 Cash Points on your first transaction after card setup and fee payment.
Rewards Rate
Up to 5% cashback on utilities via GPay, 4% on Swiggy/Zomato/Ola, and 1.5% on other spends.
Earn 2 Cash Points on every ₹200 spent across all DBS Spark Credit Card variants.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
Nil
A fee of ₹99 + GST is charged for redeeming your accumulated Cash Points.

Travel & Lifestyle

Domestic Lounge Access
4 complimentary lounge visits per calendar year at select domestic airports.
Get 1-2 complimentary domestic lounge accesses per quarter, depending on your Spark variant.
International Lounge Access
Not Applicable
Travel Benefits
4 complimentary domestic lounge visits annually & 4% cashback on Ola rides.
Access special deals on flights, hotels, and instantly redeem Cash Points for travel bookings.
Movie Benefits
Not Applicable
Enjoy 'Buy 1 Get 1' offer on BookMyShow, saving up to ₹200 on the second ticket.
Dining Benefits
Up to 15% off at 4000+ partner restaurants & 4% cashback on Swiggy/Zomato.
Earn up to 20X Cash Points on monthly dining spends with the DBS Spark 20 variant.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel purchases (Rs. 400-4000), max Rs. 500/statement cycle.
1% fuel surcharge waiver, capped at ₹100-₹250 monthly based on card variant.

Security & Other

Insurance Benefits
Not Applicable
Cash Advance Charges
2.5% of withdrawn amount, minimum Rs. 500.
Cash advance charges are 2.5% of the amount withdrawn from the card.
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 is an outstanding entry-level cashback card, ideal for young professionals and digital spenders. It offers accelerated cashback on utility payments via Google Pay, popular food delivery, and ride-hailing services. Key benefits include 4 complimentary domestic lounge access visits and an easily waivable annual fee. This card provides substantial value for everyday digital transactions and occasional travel.

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.

Excellent entry-level card for digital spends, offering high cashback rates.

High cashback rates on essential utility bills, food delivery, and ride-hailing services.

Provides 4 complimentary domestic airport lounge visits, a rare perk in this fee range.

Modest annual fee is easily waived, offering unlimited 1.5% cashback on general spending.

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.

Accelerated cashback categories are subject to a monthly capping limit.

No cashback earned on fuel, wallet reloads, EMI conversions, and some other transactions.

High 5% cashback is restricted to Google Pay Android app; not available on iOS.

A relatively high foreign currency markup of 3.5% applies to international transactions.

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.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.