1.5% · Up to 5% on Google Pay
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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.
The short answer
VerdictPick ACE for rewards.
Pick CRED IndusInd Bank RuPay for upi.
Head-to-head
Three core metrics- Annual fee ACE ₹499 Waivable at ₹2,00,000 spendCRED IndusInd Bank RuPay ₹499
- Forex markup ACE 3.5%CRED IndusInd Bank RuPay 3.5%
- Domestic lounge ACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar monthsCRED IndusInd Bank RuPay Lounge access not verified
Reward earning explained
Per card1% · 5% on eligible cred, uPI, and online
Strong dataPick based on what matters
4 dimensionsStart 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).
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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 Axis Bank ACE wins Axis Bank ACE is better for rewards
Axis Bank ACE is stronger here. Axis Bank ACE conservative base value ~1.5% vs IndusInd Bank CRED IndusInd Bank RuPay's ~1%.
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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.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- ACE: ~₹750/month at base rate
- CRED IndusInd Bank RuPay: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
| 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 |
| 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 ~1% | ~1.5% | ~1% |
| 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. 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 siteIndusInd Bank CRED IndusInd Bank RuPay
Verify with issuer , opens external site