1.5% · Up to 5% on Google Pay
Strong data Pairwise comparison
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Axis Bank ACE vs RBL Bank Platinum Choice Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank ACE and the RBL Bank Platinum Choice. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick ACE for lounge access and rewards.
Head-to-head
Three core metrics- Annual fee ACE ₹499 Waivable at ₹2,00,000 spendPlatinum Choice ₹499 Waivable at ₹50,000 spend
- Forex markup ACE 3.5%Platinum Choice 3.5%
- Domestic lounge ACE: +4 lounge visits/yrACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar monthsPlatinum Choice No complimentary lounge access
Reward earning explained
Per card1 pt / ₹100 · Up to 2 pts / ₹100 on online spend
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs RBL Bank Platinum Choice: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year vs No complimentary lounge access).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Axis Bank ACE wins Axis Bank ACE is better for lounge access
Axis Bank ACE is stronger here. Domestic lounge access is 4 per year.
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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 RBL Bank Platinum Choice's ~0.1%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- ACE: ~₹750/month at base rate
- RBL Bank Platinum Choice: ~₹60/month at base rate
Illustrative only, using current base rates before caps.
| Field | ACE Axis Bank | Platinum Choice RBL Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year vs No complimentary lounge access | 4/year | No complimentary lounge access |
| 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 ₹2,00,000 vs ₹50,000 | ₹2,00,000 | ₹50,000 |
| Interest-free period Only available for ACE | Up to 50 days | Not specified |
| Monthly interest rate 3.75% / month vs 3.99% / month | 3.75% / month | 3.99% / month |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap vs Surcharge waiver available · ₹500–₹4,000 transactions · ₹100/month waiver cap | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap | Surcharge waiver available · ₹500–₹4,000 transactions · ₹100/month waiver cap |
| Rewards | ||
| Base earn 1.5% vs 1 pt / ₹100 | 1.5% | 1 pt / ₹100 |
| Conservative base value ~1.5% vs ~0.1% | ~1.5% | ~0.1% |
| Earn ceiling ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) vs 1,000 points cap; reset period not stated by issuer; at 2 pts / ₹100, this lane reaches the cap at ₹50,000 of eligible spend | ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) | 1,000 points cap; reset period not stated by issuer; at 2 pts / ₹100, this lane reaches the cap at ₹50,000 of eligible spend |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.11 | ₹1 | ₹0.11 |
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 siteRBL Bank Platinum Choice
Verify with issuer , opens external site