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

Axis Bank ACE Credit Card has ₹499 + GST. Axis Bank Atlas Credit Card has ₹5,000 + 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; Axis Bank Atlas Credit Card earns about 2%. 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%. Axis Bank Atlas 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. Axis Bank Atlas Credit Card: yes — see the lounge row above for limits.

Card Comparison

Axis ACE vs Axis Atlas

The key difference: 2% effective rate vs 1.5%. Axis ACE vs Axis Atlascompared 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 Axis Atlassuit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. 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

Axis Atlas

Annual fee: ₹5,000 + GST
Everyday rate: 2%
Monthly cap: No cap

Notable strengths

No monthly reward cap

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

49 specs · 13 sections

Axis Bank ACE

Axis Bank Atlas

Feature

Axis Bank ACE

Axis Bank Atlas

Annual Fee

₹499

₹5,000

Joining Fee

₹499

₹5,000

Fee Waiver Spend

₹2,00,000

N/A

Forex Markup

3.5%

Reward Type

Cashback

EDGE Miles

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

₹0.25

Google Pay

—

Ola

—

Swiggy

—

Zomato

—

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

Est. Annual Cap

Category caps apply

Total Excluded

8 categories

6 categories

Gold / Jewellery

Excluded

Earns rewards

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

Earns rewards

Excluded

Education / School / College Fees

Excluded

Earns rewards

EMI Transactions

Excluded

Earns rewards

Domestic Visits/Year

International Visits/Year

None

Priority Pass

Yes

Est. Annual Value

₹1,760

₹6,820

Forex Markup

3.5%

Description

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

2,500 EDGE Miles on first transaction within 37 days of card issuance (for cards sourced from April 20, 2024 onwards)

Estimated Value

₹499

₹2,500

Fuel Surcharge Waiver

Yes

Best Suited For

Utility Bills, Online Spends, Food Delivery

Travel, Airline Miles

Min Income

Not specified

₹1,00,000/month

Income Proof

Not required

Required

Secured FD

Accepting Applications

Yes

Network

Visa

Card Tier

Classic

Premium

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 Axis Bank Atlas Credit Card?: Axis Bank ACE Credit Card has ₹499 + GST. Axis Bank Atlas Credit Card has ₹5,000 + 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; Axis Bank Atlas Credit Card earns about 2%. 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%. Axis Bank Atlas 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. Axis Bank Atlas Credit Card: yes — see the lounge row above for limits.

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

Sources: Axis Bank - Axis ACE · Axis Bank - Axis Atlas