Which card has a lower forex fee: Axis Bank ACE Credit Card or RBL Bank Platinum Choice Credit Card?

Forex markup is not fully available for both cards in the current snapshot.

Which card has a lower annual fee: Axis Bank ACE Credit Card or RBL Bank Platinum Choice 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. RBL Bank Platinum Choice Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Axis Bank ACE Credit Card has higher base reward value (~1.5% vs ~0.25%).

Pairwise comparison Compare 3+ cards →

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.

Lounge Axis Bank ACE

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

Platinum Choice RBL Bank

Annual fee ₹499 Waivable at ₹50,000 spend
Forex markup Not specified
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

ACE

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

Platinum Choice

2 pts / ₹100 on Online shopping (online only) + 1 pt / ₹100 on General spend

Pick based on what matters

2 dimensions

Start with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs RBL Bank Platinum Choice: ₹499), forex markup (3.5% vs Not specified), or lounge access (4/year vs No complimentary lounge access).

Forex markup Insufficient data

Insufficient data to compare forex

Only Axis Bank ACE has comparable evidence here. Forex markup is 3.5%.

ACE: Limited data
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.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

ACE: ~₹750/month at base rate
RBL Bank Platinum Choice: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	ACE Axis Bank	Platinum Choice RBL Bank
Lounge Access
Domestic lounge visits 4/year vs No complimentary lounge access	4/year	No complimentary lounge access
Forex / International Use
Forex markup RBL Bank Platinum Choice unclear; ACE shows 3.5% (verify).	3.5%	Not specified
Fees
Annual fee	₹499	₹499
Joining fee	₹499	₹499
Fee waiver spend ₹2,00,000 vs ₹50,000	₹2,00,000	₹50,000
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. ₹1 vs ₹0.25	₹1	₹0.25

Notes

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