Axis Bank is one of the largest private-sector banks in India, offering a perfect mix of traditional and modern banking solutions. The bank offers a good number of credit cards to its users. The bank provides two cashback credit cards which are very popular among cardholders and are best suited for bill payments.

The Airtel Axis Bank Credit Card is a collaboration between Bharti Airtel and Axis Bank to manage monthly expenses. This card gives users a 25% cashback on Airtel mobile, WiFi, broadband, and DTH bill payments through the Airtel Thanks app. It also provides a 10% cashback on utility bill payments and discounts on Swiggy, Zomato, and BigBasket. The card charges an annual fee of ₹500. Cardholders also enjoy travel benefits like domestic airport lounge access and dining discounts under the Axis Bank Dining Delights Program.

Airtel Axis Vs Axis ACE Credit Card

The Axis Bank ACE Credit Card is a smart choice for anyone looking to get more from their daily expenses. With a nominal annual fee, this card gives back every time you spend. Whenever you pay bills or recharge your phone using Google Pay, you earn direct 25% cashback to your account. You also get 4% back on Zomato, Swiggy, and Ola and a 1.5% cashback on other purchases. It also offers dining discounts and one airport lounge access every quarter, making spending rewarding and enjoyable.

Airtel Axis Bank Credit Card

Bharti Airtel, one of India’s most popular telecom service providers, has launched the Airtel Axis Bank Credit Card in collaboration with Axis Bank. This card offers an affordable way to manage monthly expenses by providing cashback on bill payments, including mobile, broadband, wifi, and more when using the Airtel Thanks app. Not only does it serve to bill payments, but it also extends benefits on dining and travel, including airport lounge access and vouchers as welcome gifts. With a modest annual fee, it’s designed to add value to everyday spending.

Fees

  • The annual fee of the Airtel Axis Bank Credit Card is ₹500 with taxes.
  • The spend-based reversal of the annual fee is ₹2 lakhs or more in the previous year.

Reward Rate

  • With the Airtel Axis Bank Credit Card, users will get a 25% cashback on Airtel mobile, WiFi, broadband, and DTH bill payments through the Airtel Thanks app, capped at ₹250 per month.
  • Cardholders who use the Airtel Thanks app will also get a 10% cashback on utility bill payments, such as gas, electricity, etc., capped at ₹250 every statement cycle.
  • A 10% discount on Swiggy, Zomato, and BigBasket capped at ₹500.
  • 1% unlimited cash back on other spends is also provided to cardholders.
  • All the cashback earned will be directly credited to the cardholder’s account.

Cashback is not eligible for fuel, utility, EMI, rent, jewelry, wallet, cash advances, insurance, educational, and government services.

Introductory Perks

On making the first transaction within 30 days of card issuance, cardholders will get an Amazon voucher of ₹500.

Dining Deals

With the Axis Bank Dining Delights Program, users can get a 15% discount of up to ₹500 on food at 4000+ participating restaurants across India.

Travel Benefits

This card offers four complimentary domestic airport lounge access yearly. You are eligible for this benefit if you spent ₹50,000 in the previous three months.

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Axis Bank ACE Credit Card

The Axis Bank introduced the ACE credit card, focusing on making bill payments rewarding. This card is designed to improve the everyday shopping experience by offering cashback on various transactions. It is ideal for those who value the convenience of managing expenses online while earning extra rewards. With this card, dining out becomes more rewarding, and routine bill payments become opportunities to save money.

The Axis Bank ACE Credit Card is offering a limited-time offer with no joining fee. This means that new cardholders can apply for this card for free and do not have to pay the joining fee. Starting from the second year, an annual fee of ₹499 will be applicable.

Fees

  • The joining and annual fee of the Axis Bank ACE Credit Card is ₹499 with taxes.
  • The annual fee can be waived on spending ₹2 lakhs or more.
  • The card also offers a joining fee waiver if you spend ₹10,000 within 45 days of card issuance.

Reward Rate

  • ACE cardholders get a 5% cashback on bill payments and DTH/ mobile recharges via Google Pay, capped at ₹500 every month.
  • Users on Zomato, Swiggy, and Ola can earn a 4% cashback, also capped at ₹500 per month.
  • 1.5% cashback is provided on other expenses.
  • All the cashback earned will be directly credited to the cardholder’s account.

Dining Deals

  • Under the Axis Bank Dining Delights Program, users will receive a 15% discount of up to ₹500 on dining at 4000+ restaurants.
  • 4% cashback is also offered on Swiggy and Zomato.

Travel Benefits

With the Axis Ace Credit Card, users will get one complimentary domestic airport lounge access every quarter (4 yearly). This offer is only eligible if you spend ₹50,000 or more in the previous three months.

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Quick Comparison Between Airtel Axis and ACE Credit Card

Features Airtel Axis Bank Credit Card Axis Bank ACE Credit Card
Joining/Annual Fee ₹500 + GST ₹499 + GST
Reward Rate
  • 25% cashback on Airtel mobile, broadband, wifi, and DTH recharges
  • 10% cashback on utility bill payments via the Airtel Thanks app
  • 10% cashback on Zomato, Swiggy, BigBasket
  • 1% cash back on other spends
  • 5% cashback on paying bills on mobile recharges via Google Pay
  • 4% cashback on Swiggy, Zomato, Ola
  • 1.5% cash back on other merchants
Reward Redemption Cashback will be directly credited to the account of the cardholder Cashback will be directly credited to the cardholder’s account
Welcome Benefits Amazon voucher worth ₹500 on first transaction N/A
Movie/Dining Up to 20% off on dining across 4000+ restaurants Discount of up to 20% on restaurants under the Axis Bank Dining Delights Program
Travel Benefits Four complimentary domestic airport lounge visits annually Complimentary domestic airport lounge access once every quarter

Bottom Line

When deciding between the Airtel Axis Bank Credit Card and the Axis Bank ACE Credit Card, it really comes down to where you spend your money. The Airtel Axis card is fantastic for Airtel users, offering up to 25% cashback on Airtel services and 10% cashback on utility bills, perfect for managing monthly expenses. Thanks to its lounge access and dining deals, it also fits those who enjoy dining out and traveling.

However, the Axis Bank ACE Credit Card shines for its broader cashback scope, giving 5% back on bill payments and mobile recharges through Google Pay, making it a great choice for everyday savings on various expenses. Both cards provide compelling benefits to users, but selecting the right one based on your lifestyle and spending habits can help you maximize the advantages.

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