Axis ACE vs ICICI Platinum Chip
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 | ₹199 + GST |
| Joining Fee | Nil | ₹199 + GST |
| Rewards | 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato | 2 PAYBACK points per ₹100 on all spends |
| Best For | Bill Payments | Budget 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 | ₹15,000 - ₹1,50,000 |
| Welcome Benefit | None | None |
| Min Income | ₹15,000/month | ₹12,000/month |
| Lounge Access | None | None |
| 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 | 3.9 |
| 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 Platinum Chip
Budget Users
Visa • Entry Level
- Lowest annual fee ICICI card
- Fuel surcharge waiver
- Contactless payments enabled
- Easy upgrade path to Coral/Sapphiro
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 Platinum Chip?
Axis ACE has the higher CardKhoj rating (4.6/5) and is best for bill payments. ICICI Platinum Chip is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: Axis ACE and ICICI Platinum Chip?
Axis ACE is cheaper to hold at Lifetime Free, compared with ₹199 + GST for ICICI Platinum Chip.
Do Axis ACE and ICICI Platinum Chip offer airport lounge access?
No. None of these cards include complimentary airport lounge access.
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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