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2.5% of amount withdrawn or min Rs. 500, whichever is higher.
2.5% of withdrawn amount, minimum Rs. 500.