Synopsis: This article compares the cashback benefits of Axis Bank ACE Credit Card and the Airtel Axis Bank Credit Card to determine which offers better value to customers in 2026. Using the reward rates from the official card websites, we have created a detailed cashback comparison chart to identify which card delivers higher savings.
Both the Axis Bank ACE Credit Card and the Airtel Axis Bank Credit Card provides huge cashback benefits on utility bills, mobile recharge, UPI payments, Zomato Swiggy and many more. A detailed comparison on the monthly savings from cashbacks received from both the cards is shown through a chart on the categories of Airtel Bills, Utility Bills, Swiggy/Zomato and Other Spends.
Axis Bank ACE Credit Card
Axis Bank ACE Credit Card stands as an excellent card for utility payments. It provides 5% cashback on utility bill payments (electricity, water, gas, LPG, and broadband and DTH and mobile recharges via GPay app. You can 4% cashback on Swiggy, Zomato and Ola spends. But for these spends, there is a monthly cap of ₹500. While all other expenses yield a 1.5% cashback rate, which makes it one of the best flat-rate cashback cards available in its market category.
There are some categories where no cashback is provided such as fuel spends, wallet reloads, purchases converted into EMIs, gold items and cash advances. This card provides 4 complimentary lounge access per year with a minimum spend of ₹50,000 in the prior 3 calendar month. You can get up to 15% discount on dining bills at 4000+ restaurants under the banks’s Dining delight program. The card is quite affordable with ₹499 joining fee and annual fee, which becomes free after users reach specific spending levels. ACE credit card has a forex markup fee of 3.5% but if you want to get a card for international transactions with zero forex fee, you can opt for a Scapia Co-Branded Credit Card
To purchase the card, please visit the Official Website of Axis Bank ACE Credit Card
Airtel Axis Bank Credit Card
The Airtel Axis Bank Credit Card offers 25% cashback on Airtel mobile, broadband, Wifi and DTH bill payments using Airtel Thanks app (capped at ₹250 per statement cycle), 10% cashback on utility bill payments using Airtel Thanks app and 10% cashback on Swiggy and Zomato spends (capped at ₹500 per statement cycle) and 1% cashback on all other spends including UPI.
The card needs users to pay a ₹500 joining fee, which includes an annual fee that becomes free after users meet specific waiver requirements. You get an Amazon eVoucher worth ₹500 as ‘Welcome benefits‘ on first transaction made within first 30 days of card issuance. The card provides users with 4 domestic lounge visits and a 1% fuel surcharge waiver. The card functions best for users who can fully use all of its available cashback limits.
To purchase the card, please visit the Official Website of Airtel Axis Bank Credit Card
Comparison of Axis ACE vs Airtel Axis Cashback Benefits
| Category | Spend (₹) | Axis ACE | Savings (₹) | Airtel Axis | Savings (₹) |
| Airtel Bills | 1000 | 1.5% | 15 | 25% | 250 |
| Utility Bills | 3000 | 5% | 150 | 10% | 250 |
| Swiggy/Zomato | 5000 | 4% | 200 | 10% | 500 |
| Other Spends | 21000 | 1.5% | 315 | 1% | 210 |
| Total Monthly Cashback | ₹680 | ₹1210 |
VERDICT: Airtel Axis Bank Credit Card provides ~78% more savings than Axis Bank ACE Credit Card
Who Should Choose Which Card?
- Choose Axis Bank ACE if:
- High general spending
- Less Airtel usage
- Prefer uncapped steady cashback
- Choose the Airtel Axis Bank Credit Card if:
- Heavy Airtel user
- Regular Swiggy/Zomato orders
- Pay utilities via Airtel Thanks
Written by Ameet S
