1.5% · Up to 5% on Google Pay
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Axis Bank ACE vs SBI Card PhonePe SBI PURPLE Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank ACE and the SBI Card PhonePe SBI PURPLE. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick ACE for lounge access and rewards.
Pick PhonePe SBI PURPLE for upi.
Head-to-head
Three core metrics- Annual fee ACE ₹499 Waivable at ₹2,00,000 spendPhonePe SBI PURPLE ₹499 Waivable at ₹1,00,000 spend
- Forex markup ACE 3.5%PhonePe SBI PURPLE 3.5%
- Domestic lounge ACE: +4 lounge visits/yrACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar monthsPhonePe SBI PURPLE No complimentary lounge access
Reward earning explained
Per card1 pt / ₹100
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs SBI Card PhonePe SBI PURPLE: ₹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 SBI Card PhonePe SBI PURPLE's ~1%.
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upi SBI Card PhonePe SBI PURPLE wins SBI Card PhonePe SBI PURPLE is better for UPI usage
SBI Card PhonePe SBI PURPLE 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
- PhonePe SBI PURPLE: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
| Field | ACE Axis Bank | PhonePe SBI PURPLE SBI Card |
|---|---|---|
| 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 ₹1,00,000 | ₹2,00,000 | ₹1,00,000 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap vs 1% surcharge waiver · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap | 1% surcharge waiver · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn Some reward lanes are unsupported — base rate only for comparison. 1.5% vs 1 pt / ₹100 | 1.5% | 1 pt / ₹100 |
| 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 750 points per month; at 3 pts / ₹100, this lane reaches the cap at ₹25,000 of eligible spend | ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) | 750 points per month; at 3 pts / ₹100, this lane reaches the cap at ₹25,000 of eligible spend |
| 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 siteSBI Card PhonePe SBI PURPLE
Verify with issuer , opens external site