Axis ACE vs ICICI Coral
Side-by-side credit card comparison to help you choose the best one.
Axis ACE
Why this card wins: Bill Payments — 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato
| Feature | ||
|---|---|---|
| Bank | Axis Bank | ICICI Bank |
| Card Type | Cashback | Entry Level |
| Annual Fee | Lifetime Free | ₹500 + GST |
| Joining Fee | Nil | ₹500 + GST |
| Rewards | 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato | 2 points per ₹100 on all spends |
| Best For | Bill Payments | First Time Users |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | None | None |
| Min Income | ₹15,000/month | ₹20,000/month |
| Lounge Access | None | 4 domestic per year (1/quarter) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.6 | 4.1 |
| Contactless | ||
| EMI Conversion |
Key Features
Axis ACE
Bill Payments
Visa • Cashback
- No annual fee ever
- 5% cashback on utility bills via Google Pay
- 2% cashback on Swiggy, Zomato
- 1% cashback on all other spends
ICICI Coral
First Time Users
Visa • Entry Level
- 15% savings on dining bills
- 1 complimentary domestic lounge visit per quarter
- Complimentary railway lounge access
- Milestone reward points system
Verdict
Based on rating and overall value, Axis ACE ranks highest among your selected cards. It excels at Bill Payments and offers 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato.
Frequently asked questions
Which is better: Axis ACE or ICICI Coral?
Axis ACE has the higher CardKhoj rating (4.6/5) and is best for bill payments. ICICI Coral is the better fit if your priority is first time users. The right choice depends on where you spend most.
Which has the lower annual fee: Axis ACE and ICICI Coral?
Axis ACE is cheaper to hold at Lifetime Free, compared with ₹500 + GST for ICICI Coral.
Do Axis ACE and ICICI Coral offer airport lounge access?
Axis ACE: no complimentary lounge access. ICICI Coral: 4 domestic per year (1/quarter).
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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