1.5% · Up to 5% on Google Pay
Strong data Pairwise comparison
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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.
The short answer
VerdictNo decisive winner on the core dimensions — the head-to-head below shows where the small differences are.
Head-to-head
Three core metrics- Annual fee Platinum Chip saves ₹499/yrACE ₹499 Waivable at ₹2,00,000 spendPlatinum Chip ₹0
- Forex markup ACE 3.5%Platinum Chip 3.5%
- Domestic lounge ACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar monthsPlatinum Chip Lounge access not verified
Reward earning explained
Per card2 pts / ₹100
Strong dataPick based on what matters
3 dimensionsStart 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 Lounge access not verified).
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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. No verified lounge entitlement or explicit no-lounge evidence on file.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank ACE conservative base value ~1.5% per ₹100. ICICI Bank Platinum Chip is not safely INR-comparable (no usable point value).
All fields
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.
| Field | ACE Axis Bank | Platinum Chip ICICI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats Only available for ACE | 4/year | Not specified |
| International lounge visits Only available for ACE | No international lounge access | Not specified |
| 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 |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap vs 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap | 1% surcharge waiver · ₹400–₹4,000 transactions · Fuel rewards excluded |
| Rewards | ||
| Base earn 1.5% vs 2 pts / ₹100 | 1.5% | 2 pts / ₹100 |
| Conservative base value ~1.5% vs Not safely INR-comparable | ~1.5% | Not safely INR-comparable |
| 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. Only available for ACE | ₹1 | Not specified |
Notes
- Axis Bank ACE Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- 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 siteICICI Bank Platinum Chip
Verify with issuer , opens external site