1.5% · Up to 5% on Google Pay
Strong data Pairwise comparison
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Axis Bank ACE vs Federal Bank Signet Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank ACE and the Federal Bank Signet. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick ACE for rewards.
Head-to-head
Three core metrics- Annual fee Signet saves ₹499/yrACE ₹499 Waivable at ₹2,00,000 spendSignet ₹0
- Forex markup ACE 3.5%Signet 3.5%
- Domestic lounge ACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar monthsSignet 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card0.5 pts / ₹100 · Up to 1.5 pts / ₹100 on Electronics Apparel
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs Federal Bank Signet: ₹0), forex markup (3.5% vs 3.5%), or lounge access (4/year vs 4/year (1 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 4 per year. Domestic lounge access is 1 per quarter.
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Rewards Axis Bank ACE wins Axis Bank ACE is better for rewards
Axis Bank ACE is stronger here. Axis Bank ACE conservative base value ~1.5% vs Federal Bank Signet's ~0.1%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- ACE: ~₹750/month at base rate
- Signet: ~₹30/month at base rate
Illustrative only, using current base rates before caps.
| Field | ACE Axis Bank | Signet Federal Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year vs 4/year (1 per quarter) | 4/year | 4/year (1 per quarter) |
| International lounge visits Not included vs 4 per year | No international lounge access | 4 per year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹499 vs ₹0 | ₹499 | ₹0 |
| Annual-fee waiver Only available for ACE | ₹2,00,000 | Not specified |
| Interest-free period Up to 50 days vs Up to 48 days | Up to 50 days | Up to 48 days |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for Signet | Not specified | ₹250–₹1,250 depending on outstanding balance |
| Fuel benefit Only available for ACE | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap | Not specified |
| Rewards | ||
| Base earn 1.5% vs 0.5 pts / ₹100 | 1.5% | 0.5 pts / ₹100 |
| Conservative base value ~1.5% vs ~0.1% | ~1.5% | ~0.1% |
| Earn ceiling ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) vs Not stated | ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) | Not stated |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
| Point validity Only available for Signet | Not specified | 3 years |
Notes
- Axis Bank ACE Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Federal Bank Signet Credit Card: Condition: ₹20,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank ACE
Verify with issuer , opens external siteFederal Bank Signet
Verify with issuer , opens external site