1.5% · Up to 5% on Google Pay
Strong data Pairwise comparison
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AXIS ACE vs IDBI Royale Signature
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.
The short answer
Royale Signature costs ₹499 less a year.
Head-to-head
- Annual fee Annual fee outcome: tie. ₹499/yr apart · waiver gates differACE ₹499 Waivable at ₹2,00,000 spendRoyale Signature ₹0
- Forex markup Forex markup outcome: tie. ACE 3.5%Royale Signature 3.5%
- Domestic lounge Domestic lounge outcome: tie. ACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar monthsRoyale Signature 4/year (1 per quarter)
- Rewards Rewards outcome: insufficient data to compare. conservative base valueACE ~1.5%Royale Signature Not safely INR-comparable
Reward earning explained
3 pts / ₹100
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- ACE: ~₹750/month at base rate
- IDBI Royale Signature: Base earn not clearly specified
Illustrative only, using current base rates before caps.
All fields
| Field | ACE Axis Bank | Royale Signature IDBI 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 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 vs 2.5% / month | 3.75% / month | 2.5% / month |
| Late-payment charge Only available for IDBI Royale Signature | Not specified | ₹950 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap vs 1% surcharge waiver · ₹400–₹5,000 transactions | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap | 1% surcharge waiver · ₹400–₹5,000 transactions |
| Rewards | ||
| Base earn Some reward lanes are unsupported — base rate only for comparison. 1.5% vs 3 pts / ₹100 | 1.5% | 3 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 |
| Point validity Only available for IDBI Royale Signature | Not specified | 3 years |
| Insurance — Air accident cover Only available for IDBI Royale Signature | Not specified | ₹25 lakh |
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 siteIDBI Bank Royale Signature
Verify with issuer , opens external site