Which card has a lower forex fee: Axis Bank ACE Credit Card or ICICI Bank Platinum Chip Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank ACE Credit Card or ICICI Bank Platinum Chip Credit Card?

ICICI Bank Platinum Chip Credit Card has a lower annual fee (₹0 vs ₹499).

Which card offers better lounge access?

Axis Bank ACE Credit Card: 4 per year domestic lounge. ICICI Bank Platinum Chip Credit Card: Domestic lounge details not available.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

Axis Bank ACE vs ICICI Bank Platinum Chip Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank ACE and the ICICI Bank Platinum Chip. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

ACE Axis Bank

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

Platinum Chip ICICI Bank

Annual fee ₹0 Lifetime free
Forex markup 3.5%
Domestic lounge Not specified

Reward earning explained

Per card

ACE

5% on Google Pay (domestic) (Utility bill payments and recharges must be comple…

Limited data

Platinum Chip

2 pts / ₹100 on General spend

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs ICICI Bank Platinum Chip: ₹0), forex markup (3.5% vs 3.5%), or lounge access (4/year vs Not specified).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
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.

ACE: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only ICICI Bank Platinum Chip has comparable evidence here. Base earn is 2 pts per ₹100.

ACE: Limited data Platinum Chip: Limited data

Verify with issuer

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

ACE: ~₹750/month at base rate
Platinum Chip: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	ACE Axis Bank	Platinum Chip ICICI Bank
Lounge Access
Domestic lounge visits Only available for ACE	4/year	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹499 vs ₹0	₹499	₹0
Joining fee ₹499 vs ₹0	₹499	₹0
Fee waiver spend 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
Rewards
Points per ₹100 1.5% vs 2 pts	1.5%	2 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.