Axis ACE vs SBI CashBack Card
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 | SBI |
| Card Type | Cashback | Premium Cashback |
| Annual Fee | Lifetime Free | ₹999 + GST |
| Joining Fee | Nil | ₹999 + GST |
| Rewards | 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato | 5% Cashback on ALL online spends |
| Best For | Bill Payments | Pure Cashback |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | None | None |
| Min Income | ₹15,000/month | ₹30,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver (cap ₹100/month) |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹499 + GST |
| Rating | 4.6 | 4.5 |
| 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
SBI CashBack Card
Pure Cashback
Visa • Premium Cashback
- 1% cashback on offline spends
- Direct cashback credit to statement
- No merchant restrictions for 5% cashback
- Fuel surcharge waiver up to ₹100/month
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 SBI CashBack Card?
Axis ACE has the higher CardKhoj rating (4.6/5) and is best for bill payments. SBI CashBack Card is the better fit if your priority is pure cashback. The right choice depends on where you spend most.
Which has the lower annual fee: Axis ACE and SBI CashBack Card?
Axis ACE is cheaper to hold at Lifetime Free, compared with ₹999 + GST for SBI CashBack Card.
Do Axis ACE and SBI CashBack Card 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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