Synopsis: Choosing the wrong credit card can cost you thousands every year. Axis Bank ACE and Axis Bank Select offer very different rewards cashback vs premium travel perks. This comparison reveals which card truly delivers maximum savings based on how you spend.
The Axis Bank’s line-up includes reward-oriented credit cards. The two most popular credit cards of this type are the Axis Bank Select and the Axis Bank Ace credit cards. The Select credit card targets users who seek premium privileges like travel perks and the Ace credit card targets their users who seek for everyday savings through straightforward cashbacks. Let us compare both the credit cards to see which card is best tailored for a user.
Axis ACE Credit Card
About the card: as rated as one of the top beginner friendly credit cards, the Axis Ace credit card offers a lot on dining, shopping and utility bill payments. With its beginner friendly features, this card seems like the top pick for any applicant.
fees and charges
- Joining fees: Rs 499
- Annual fees: Rs 499
- Annual fee waiver: Rs 2,00,000 spent in the previous year.
- Card payment fee: Rs 175
- Forex mark-up rate: 3.5%
- Interest rate: 3.75% interest rate per month (55.55% per annum).
- cash withdrawal fee: 2.5% (min. Rs 500 of the withdrawal amount).
Features and benefits
- Travel lounge benefit: 4 complimentary domestic airport lounge visits per year.
- Dining benefits: 15% off on dining delights across 4000+ restaurants in India.
- EMI conversion: the user can convert their purchases into EMI instalments.
Reward structure
- 5% cashbacks on utility bill payments done via Google Pay.
- 1% fuel surcharge waiver across all fuel stations in India.
- 4% cashback on Swiggy, Zomato and Ola.
- 1.5% cashback on other expenses.
Also read: Is HDFC Regalia Gold Credit Card Still the Best Premium Card in 2026? A Detailed Overview
Axis Bank Select Credit Card
About the card: the Axis Bank Select credit card is a reward-centric card offering accelerated value on spends across multiple categories. The cardholders can also save up a significant amount on discounts on Swiggy, Zomato, and Ola. The card comes with an excellent earning rate and a relatively lower redemption rate.
Fees and charges
- Joining fees: Rs 3,000
- Annual fees: Rs 3,000
- Annual fee waiver: Rs 8,00,000 spent in the previous year.
- Card payment fee: Rs 175
- Forex mark-up rate: 3.5%
- Interest rate: 3.75% interest rate per month (55.55% per annum).
- Cash withdrawal fee: 2.5% (min. Rs 500 of the withdrawal amount).
Features and benefits
- Welcome benefit: earn 10,000 EDGE REWARD points worth Rs 2,000 on first card transaction.
- Travel lounge benefit: 12 complimentary international and 2 domestic airport lounge visits per quarter.
- Priority Pass membership: earn a priority pass membership renewal on an annual basis spending of Rs 3 lakhs.
- Movie benefit: 100% off on a second movie ticket booked via District app with the Select credit card.
Reward structure
- Earn 10 Axis EDGE REWARD points on every Rs 200 spent.
- Earn 20 Axis EDGE REWARD points on every Rs 200 spent on retail purchases.
Reward redemption
- Rewards redeemed from vouchers through Axis Bank’s reward catalogue (1 reward point = Rs 0.20).
- Transfer to airline and hotel loyalty programs in a 5:1 ratio.
- Transfer to other airlines and hotel partners in a 10:1 ratio.
Which card is better?
Choose the Axis Bank ACE Credit Card if:
- The cardholder would wish to save well on utility bills and cashbacks.
- If the cardholder prefers to pay their bills through Google pay to avail exclusive discounts.
- The cardholder is a frequent spender on Zomato, Swiggy & BigBasket.
- If the cardholder is seeking a higher base cashback rate.
Choose the Axis Bank Select Credit Card if:
- The cardholder is a frequent traveller within India and across international lands to avail complimentary lounge visits.
- The cardholder is a frequent spender on Zomato, Swiggy & BigBasket.
- can easily spend Rs 8 lakhs in a year to waive the annual fees.
Final thoughts
Choosing between the two credit cards majorly depends on how you spend. If you wish to save on cashbacks through utilities, food and regular purchases, the Axis Bank ACE delivers better value with lower fees. The Axis Bank Select seeks users who would prefer a premium lifestyle and travel benefits with an eligibility to meet the higher requirements.
Written by: Atin Kevin
