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Comparison · हिन्दी

Airtel Axis vs Axis ACE

Both cards compared on real rupee returns for everyday cashback and utility bill payments. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
AXIS
AIRTEL AXIS
ASHOK KUMAR
VS
AXIS
ACE
ASHOK KUMAR
Our verdict
Airtel Axis Bank Credit Card wins for most people
Card A edges out Card B with ₹299 more annual benefit, primarily due to superior cashback on utilities and fuel. Choose Card A if you're an Airtel subscriber maximizing telecom and bill rewards.
Side-by-side comparison
Airtel Axis Bank Credit Card ✓ Axis ACE Credit Card
Annual benefit ₹4,300 ₹4,001
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹2,00,000/year spend) ₹499 + taxes (waived on ₹2L annual spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 25% cashback on Airtel Mobile/DTH/Broadband via Airtel Thanks; 10% on utility bills; 1% on others 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None (discontinued April 2026) 4 domestic visits/year (on ₹50,000/quarter spend)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Airtel subscribers wanting cashback on telecom and utility bills Utility bill payments and everyday flat cashback
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹15,000/month (salaried) ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
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When each card wins
Airtel Axis Bank Credit Card
Card A wins when you're an Airtel subscriber and pay utility bills regularly. The 10% cashback on utilities and 25% on Airtel services significantly boosts returns compared to Card B's 5% utility cashback via Google Pay.
Axis ACE Credit Card
Card B suits you if you frequently use Swiggy, Zomato, or Ola for dining and travel. Its flat 4% cashback on these platforms beats Card A's 1% on non-priority spends, though overall annual benefit remains slightly lower.
Who should get which card
Get Airtel Axis Bank if you…
· Airtel subscriber maximizing telecom and DTH bill rewards
· Regular utility bill payer seeking 10% cashback
· Want higher overall annual benefit of ₹4,300
Get Axis ACE if you…
· Frequent Swiggy, Zomato, or Ola user for dining and travel
· Prefer flat 1.5% cashback on general spending
· Don't use Airtel services or need telecom discounts
Partner offer
AU Bank Vetta Credit Card
Premium lifestyle card with grocery and utility rewards, lounge access and birthday benefits
Apply now →
AU
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, Airtel Axis Bank Credit Card offers better annual returns for most spend profiles.
Airtel Axis Bank Credit Card has an annual fee of ₹500 + taxes (waived on ₹2,00,000/year spend). Axis ACE Credit Card has an annual fee of ₹499 + taxes (waived on ₹2L annual spend).
Airtel Axis Bank Credit Card offers 25% cashback on Airtel Mobile/DTH/Broadband via Airtel Thanks; 10% on utility bills; 1% on others. Axis ACE Credit Card offers 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends.
Airtel Axis Bank Credit Card lounge access: None (discontinued April 2026). Axis ACE Credit Card lounge access: 4 domestic visits/year (on ₹50,000/quarter spend).
Airtel Axis Bank Credit Card charges 3.5% forex markup. Axis ACE Credit Card charges 3.5% forex markup.