Which card has a lower forex fee: Axis Bank ACE Credit Card or CRED IndusInd Bank RuPay Credit Card?

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

Which card has a lower annual fee: Axis Bank ACE Credit Card or CRED IndusInd Bank RuPay Credit Card?

Both cards have the same annual fee (₹499).

Which card offers better lounge access?

Axis Bank ACE Credit Card: 4 per year domestic lounge. CRED IndusInd Bank RuPay Credit Card: Lounge access not verified.

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 IndusInd Bank CRED IndusInd Bank RuPay Credit Cards – Fees, Lounge, Forex

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

upi IndusInd Bank CRED IndusInd Bank RuPay

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

CRED IndusInd Bank RuPay IndusInd Bank

Annual fee ₹499
Forex markup 3.5%
Domestic lounge Lounge access not verified

Reward earning explained

Per card

ACE

1.5% · Up to 5% on Google Pay

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs IndusInd Bank CRED IndusInd Bank RuPay: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year vs Lounge access not verified).

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. No verified lounge entitlement or explicit no-lounge evidence on file.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: Axis Bank ACE conservative base value ~1.5% per ₹100. IndusInd Bank CRED IndusInd Bank RuPay has no conservative base value for comparison.

ACE: Limited data
upi IndusInd Bank CRED IndusInd Bank RuPay wins

IndusInd Bank CRED IndusInd Bank RuPay is better for UPI usage

IndusInd Bank CRED IndusInd Bank RuPay is stronger here. Supports UPI via RuPay network.

Axis Bank ACE

Confidence: Low (limited information available)

Verify with issuer

IndusInd Bank CRED IndusInd Bank RuPay

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
CRED IndusInd Bank RuPay: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	ACE Axis Bank	CRED IndusInd Bank RuPay IndusInd 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	₹499
Joining fee ₹499 vs ₹0	₹499	₹0
Fee waiver spend Only available for ACE	₹2,00,000	Not specified
Interest-free period Only available for ACE	Up to 50 days	Not specified
Rewards
Base cashback Only available for ACE	1.5%	Not specified
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 CRED IndusInd Bank RuPay	Not specified	2 years

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.