What are the annual fees for Axis Bank ACE Credit Card and Flipkart Axis Bank Credit Card?

Axis Bank ACE Credit Card has ₹499 + GST. Flipkart Axis Bank Credit Card has ₹500 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

Axis Bank ACE Credit Card earns about 1.5% on general spends; Flipkart Axis Bank Credit Card earns about 1%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

Axis Bank ACE Credit Card: 3.5%. Flipkart Axis Bank Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

Axis Bank ACE Credit Card: yes — see the lounge row above for limits. Flipkart Axis Bank Credit Card: none specified.

Card Comparison

Axis ACE vs Flipkart Axis

Axis ACE vs Flipkart Axiscompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Axis Bank ACE

Axis Bank

Fee₹499+GST

Eff. rate1.5%

CapCategory

Fee

₹499+GST

Eff. rate

1.5%

Cap

How they compare

Axis ACE and Flipkart Axis suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 1.5% effective rate vs 1%. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

Axis ACE

Annual fee: ₹499 + GST
Everyday rate: 1.5%
Monthly cap: No cap

Notable strengths

Bonus rewards on Google Pay (up to 5%)
Direct cashback — nothing to redeem
No monthly reward cap

Flipkart Axis

Annual fee: ₹500 + GST
Everyday rate: 1%
Monthly cap: No cap

Notable strengths

Bonus rewards on Myntra (up to 7.5%)
Direct cashback — nothing to redeem
No monthly reward cap

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

55 specs · 13 sections

Axis Bank ACE

Flipkart Axis Bank

Feature

Axis Bank ACE

Flipkart Axis Bank

Annual Fee

₹499

₹500

Joining Fee

₹499

Free

Fee Waiver Spend

₹2,00,000

₹3,50,000

Forex Markup

3.5%

Reward Type

Cashback

Base Rate

1.5%

Online Rate

1.5%

Offline Rate

1.5%

Effective Base Rate

1.5%

Point Value

₹1

Redemption Quality

HIGH

Best Redemption

₹1

Worst Redemption

₹1

Amazon

—

Amazon Pay

—

Amazon Prime

—

Cleartrip

—

Cultfit

—

Grocery / Supermarkets

1.5%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

Flights, Hotels, OTAs, Tour Operators

1.5%

Other Retail / Catch-all

1.5%

Monthly Cap

Category caps apply

No cap

Est. Annual Cap

Category caps apply

No cap

Total Excluded

8 categories

9 categories

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Earns rewards

Excluded

EMI Transactions

Excluded

Earns rewards

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Est. Annual Value

₹1,760

—

Forex Markup

3.5%

Description

Joining fee of â‚¹499 reversed on spending â‚¹10,000 within 45 days of card setup

₹250 Flipkart voucher on first transaction within 30 days

Estimated Value

₹499

₹200

Fuel Surcharge Waiver

Yes

Best Suited For

Utility Bills, Online Spends, Food Delivery

Shopping

Min Income

Not specified

Income Proof

Not required

Required

Secured FD

Accepting Applications

Yes

Network

Visa

Card Tier

Classic

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for Axis Bank ACE Credit Card and Flipkart Axis Bank Credit Card?: Axis Bank ACE Credit Card has ₹499 + GST. Flipkart Axis Bank Credit Card has ₹500 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: Axis Bank ACE Credit Card earns about 1.5% on general spends; Flipkart Axis Bank Credit Card earns about 1%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: Axis Bank ACE Credit Card: 3.5%. Flipkart Axis Bank Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: Axis Bank ACE Credit Card: yes — see the lounge row above for limits. Flipkart Axis Bank Credit Card: none specified.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: Axis Bank - Axis ACE · Axis Bank - Flipkart Axis