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Comparison · हिन्दी

IDFC FIRST Wealth vs Axis ACE

Both cards compared on real rupee returns for lifetime free cards with rewards. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
IDFC FIRST
WEALTH
ASHOK KUMAR
VS
AXIS
ACE
ASHOK KUMAR
Our verdict
IDFC FIRST Wealth Credit Card wins for most people
Card A wins with ₹4,980 annual benefit versus Card B's ₹4,481. The lifetime-free structure and higher rewards on online shopping and travel spending edges out Card B's flat cashback, despite Card B's fee waiver potential.
Side-by-side comparison
IDFC FIRST Wealth Credit Card ✓ Axis ACE Credit Card
Annual benefit ₹4,980 ₹4,481
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹0 (lifetime free) ₹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 → 6X reward points on online spends; 3X on offline; 10X on birthdays 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 → Unlimited domestic + 4 international 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 → 1.5% 3.5%
Best for Lifetime free premium card with strong rewards 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 → ₹18L+ per year ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 700+
Apply now ↗ Full review →
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When each card wins
IDFC FIRST Wealth Credit Card
Choose Card A for frequent online shopping and travel bookings. The 6X online rewards and lifetime-free status make it ideal for consistent spenders who want premium benefits without annual fee concerns.
Axis ACE Credit Card
Choose Card B if you pay utility bills regularly via Google Pay and frequently use food delivery apps. The 5% utility cashback and 4% dining rewards offer competitive value for these specific spending categories.
Who should get which card
Get IDFC FIRST Wealth if you…
· Lifetime free—no annual fee burden
· 6X rewards on online shopping aligns with your ₹5,000 monthly shopping spend
· Higher overall annual benefit of ₹4,980
· 10X birthday rewards provide bonus value
Get Axis ACE if you…
· Best for utility bill payers (5% via Google Pay)
· Strong dining rewards (4% on Swiggy/Zomato)
· Fee waiver achievable with ₹2L annual spend
· Flat cashback structure is simple and predictable
Partner offer
HDFC Millennia Credit Card
Everyday online shopping with a modest, capped cashback
Apply now →
HDFC
ASHOK KUMAR

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Related guides
HDFC Millennia vs Axis ACE →Axis ACE vs SBI Cashback →Airtel Axis Bank vs Axis ACE →Swiggy HDFC Bank vs Axis ACE →Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →
Frequently asked questions
Based on our analysis, IDFC FIRST Wealth Credit Card offers better annual returns for most spend profiles.
IDFC FIRST Wealth Credit Card has an annual fee of ₹0 (lifetime free). Axis ACE Credit Card has an annual fee of ₹499 + taxes (waived on ₹2L annual spend).
IDFC FIRST Wealth Credit Card offers 6X reward points on online spends; 3X on offline; 10X on birthdays. Axis ACE Credit Card offers 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends.
IDFC FIRST Wealth Credit Card lounge access: Unlimited domestic + 4 international. Axis ACE Credit Card lounge access: 4 domestic visits/year (on ₹50,000/quarter spend).
IDFC FIRST Wealth Credit Card charges 1.5% forex markup. Axis ACE Credit Card charges 3.5% forex markup.