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

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

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

IndusInd Bank Pinnacle World 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. IndusInd Bank Pinnacle World Credit Card: 1 per quarter domestic lounge.

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 Pinnacle World Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank ACE and the IndusInd Bank Pinnacle World. 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

Pinnacle World IndusInd Bank

Annual fee ₹0
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹1,50,000 spend in the previous calendar quarter

Reward earning explained

Per card

ACE

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

Pinnacle World

2.5 pts / ₹100 on Online Ecommerce + 1.5 pts / ₹100 on Travel Airline

Pick based on what matters

2 dimensions

Start with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs IndusInd Bank Pinnacle World: ₹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
IndusInd Bank Pinnacle World: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	ACE Axis Bank	Pinnacle World IndusInd Bank
Lounge Access
Domestic lounge visits 4/year vs 1/quarter	4/year	1/quarter
International lounge visits Only available for IndusInd Bank Pinnacle World	Not specified	4/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹499 vs ₹0	₹499	₹0
Joining fee ₹499 vs ₹15,000	₹499	₹15,000
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
Points per ₹100 1.5% vs 1 pts	1.5%	1 pts
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

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