Axis ACE vs PNB Rupay Platinum
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 | Punjab National Bank |
| Card Type | Cashback | Entry Level |
| Annual Fee | Lifetime Free | ₹299 + GST |
| Joining Fee | Nil | ₹99 + GST |
| Rewards | 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato | 2 reward points per ₹100 on all spends |
| Best For | Bill Payments | Budget Users |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹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-₹4,000 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
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
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 PNB Rupay Platinum?
Axis ACE has the higher CardKhoj rating (4.6/5) and is best for bill payments. PNB Rupay Platinum 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 PNB Rupay Platinum?
Axis ACE is cheaper to hold at Lifetime Free, compared with ₹299 + GST for PNB Rupay Platinum.
Do Axis ACE and PNB Rupay Platinum 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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