Which card has a lower forex fee: Axis Bank ACE Credit Card or IDBI Royale Signature Credit Card?

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

Which card has a lower annual fee: Axis Bank ACE Credit Card or IDBI Royale Signature Credit Card?

IDBI Royale Signature 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. IDBI Royale Signature Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Axis Bank ACE Credit Card has higher base reward value (~1.5% vs ~0.75%).

Pairwise comparison Compare 3+ cards →

Axis Bank ACE vs IDBI Bank Royale Signature Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank ACE and the IDBI Bank Royale Signature. 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

Royale Signature IDBI Bank

Annual fee ₹0 Lifetime free
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹1 spend in the calendar quarter

Reward earning explained

Per card

ACE

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

Royale Signature

3 pts / ₹100 on General spend (3 Delight Points for every Rs. 100 spent; exclud…

Pick based on what matters

2 dimensions

Start with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs IDBI Bank Royale Signature: ₹0), forex markup (3.5% vs 3.5%), or lounge access (4/year vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 4 per year. Domestic lounge access is 1 per quarter.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

ACE: ~₹750/month at base rate
IDBI Royale Signature: ~₹380/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	ACE Axis Bank	Royale Signature IDBI Bank
Lounge Access
Domestic lounge visits 4/year vs 1/quarter	4/year	1/quarter
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 3 pts	1.5%	3 pts
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 IDBI Royale Signature	Not specified	3 years

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.