1.5% · Up to 5% on Google Pay
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AXIS ACE vs INDUSIND CRED IndusInd Bank RuPay
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.
The short answer
Pick ACE for rewards.
Pick CRED IndusInd Bank RuPay for UPI payments.
Head-to-head
- Annual fee Annual fee outcome: tie. ACE ₹499 Waivable at ₹2,00,000 spendCRED IndusInd Bank RuPay ₹499
- Forex markup Forex markup outcome: tie. ACE 3.5%CRED IndusInd Bank RuPay 3.5%
- Domestic lounge Domestic lounge outcome: insufficient data to compare. ACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar monthsCRED IndusInd Bank RuPay Not specified
- Rewards Rewards outcome: ACE wins. conservative base valueACE ~1.5%CRED IndusInd Bank RuPay ~0.5%
- UPI payments UPI payments outcome: CRED IndusInd Bank RuPay wins. ACE No UPI supportCRED IndusInd Bank RuPay Supports UPI
Reward earning explained
1% · 5% on eligible cred, uPI, and online
Limited dataExample usage at this monthly spend
At ₹50k/month spend:
- ACE: ~₹750/month at base rate
- CRED IndusInd Bank RuPay: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | ACE Axis Bank | CRED IndusInd Bank RuPay IndusInd 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 | ₹499 |
| Annual-fee waiver Only available for ACE | ₹2,00,000 | Not specified |
| Interest-free period Only available for ACE | Up to 50 days | Not specified |
| Monthly interest rate 3.75% / month vs 3.95% / month | 3.75% / month | 3.95% / month |
| Late-payment charge Only available for CRED IndusInd Bank RuPay | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap vs 1% surcharge waiver · ₹500–₹5,000 transactions | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap | 1% surcharge waiver · ₹500–₹5,000 transactions |
| Rewards | ||
| Base earn 1.5% vs 1% | 1.5% | 1% |
| Conservative base value ~1.5% vs ~0.5% | ~1.5% | ~0.5% |
| Earn ceiling ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) vs 5,000 points per statement cycle — shared across Cred (domestic), UPI & Online shopping | ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) | 5,000 points per statement cycle — shared across Cred (domestic), UPI & Online shopping |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. | ₹1 | ₹1 |
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 siteIndusInd Bank CRED IndusInd Bank RuPay
Verify with issuer , opens external site