Axis ACE vs SC Ultimate
Side-by-side credit card comparison to help you choose the best one.
SC Ultimate
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | ||
|---|---|---|
| Bank | Axis Bank | Standard Chartered |
| Card Type | Cashback | Super Premium |
| Annual Fee | Lifetime Free | ₹5,000 + GST |
| Joining Fee | Nil | ₹5,000 + GST |
| Rewards | 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato | 3.33% rewards value on all spends |
| Best For | Bill Payments | Luxury Travel |
| 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 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | None | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹15,000/month | ₹1,00,000/month |
| Lounge Access | None | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.6 | 4.7 |
| 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
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
Verdict
Based on rating and overall value, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.
Frequently asked questions
Which is better: Axis ACE or SC Ultimate?
SC Ultimate has the higher CardKhoj rating (4.7/5) and is best for luxury travel. Axis ACE is the better fit if your priority is bill payments. The right choice depends on where you spend most.
Which has the lower annual fee: Axis ACE and SC Ultimate?
Axis ACE is cheaper to hold at Lifetime Free, compared with ₹5,000 + GST for SC Ultimate.
Do Axis ACE and SC Ultimate offer airport lounge access?
Axis ACE: no complimentary lounge access. SC Ultimate: unlimited domestic + international (priority pass).
Which card is better for international spending?
SC Ultimate has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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