- Annual fee ₹499 Waivable at ₹2,00,000 spend
- Forex markup 3.5%
- Domestic lounge 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar months
Pairwise comparison
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Axis Bank ACE vs AU Small Finance Bank CheQ Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank ACE and the AU Small Finance Bank CheQ. Verify fees, lounge access, forex markup, and base rewards before you apply.
upi AU Small Finance Bank CheQ
Quick comparison
Three core metrics- Annual fee ₹499
- Forex markup 3.49%
- Domestic lounge Not specified
Reward earning explained
Per card5% on Google Pay (domestic) (Utility bill payments and recharges must be comple…
12 pts / ₹100 on Partner Brands (app only) (app only · 12% CheQ points (24 poin…
Pick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs AU Small Finance Bank CheQ: ₹499), forex markup (3.5% vs 3.49%), or lounge access (4/year vs Not specified).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%. Forex markup is 3.49%.
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Lounge access Insufficient data Insufficient data to compare lounge access
Only Axis Bank ACE has comparable evidence here. Domestic lounge access is 4 per year.
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upi AU Small Finance Bank CheQ wins AU Small Finance Bank CheQ is better for UPI usage
AU Small Finance Bank CheQ is stronger here. Supports UPI via RuPay network.
Confidence: Low (limited information available)
Verify with issuer (opens in new tab)All fields
Example usage at this monthly spend
At ₹50k/month spend:
- ACE: ~₹750/month at base rate
- CheQ AU: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | ACE Axis Bank | CheQ AU Small Finance Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits Only available for ACE | 4/year | Not specified |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 3.49% | 3.5% | 3.49% |
| Fees | ||
| Annual fee | ₹499 | ₹499 |
| Joining fee | ₹499 | ₹499 |
| Fee waiver spend Only available for ACE | ₹2,00,000 | Not specified |
| Interest-free period Only available for ACE | Up to 50 days | Not specified |
| Rewards | ||
| Points per ₹100 1.5% vs 1 pts | 1.5% | 1 pts |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for ACE | ₹1 | Not specified |
Notes
- Some data has low confidence — verify with the issuer before relying on it.
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.