Axis Cashback vs Axis Ace vs Axis Airtel, Which one to choose?

[Anindya98]

Axis Bank Cashback Credit Card​	Axis Bank ACE Credit Card​	Airtel Axis Bank Credit Card​
Joining Fee ₹1,000 + GST	Joining Fee Rs. 499 + GST	Joining Fee Rs. 500 + GST
Rewards and Benefits​
Welcome Benefits 5,000 EDGE Reward Points on Making the First Transaction Within 30 Days	Welcome Benefits 500 CB applied via Gpay & FYF via Axis Bank	Welcome Benefits Amazon Voucher Worth Rs. 500
Rewards Rate 7% Cashback on Online Purchases; 0.75% Cashback on Offline and Travel Spends; 0.5% Cashback on Utility Transactions Cashback Structure: - 0.75% on offline transactions and travel spends. - 2% on online spends up to ₹5,000. - 5% on online spends between ₹5,001 and ₹40,000. - 7% on online spends above ₹40,000. - Total monthly cashback capped at ₹4,000. - 0.5% on utility transactions, capped at ₹100 per statement. Usual exclusions like rent, govt spends, fuel, wallet, edu etc.	Rewards Rate 5% cashback on paying bills & on mobile recharges via GPay and 4% cashback on Swiggy, Ola, and Zomato, with a combined capping of Rs. 500 cashback per month. 1.5% cashback elsewhere on other merchants.	Rewards Rate 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH recharges 10% cashback on utility bill payments via the Airtel Thanks app 10% cashback on Swiggy, Zomato and BigBasket, and 1% cashback on other spends.
Movie & Dining 20% discount up to ₹800 on EazyDiner	Movie & Dining A discount of up to 20% on dining at 4,000+ restaurants under the Axis Bank Dining Delights program.	Movie & Dining Up to 20% off on dining across 4000+ participating restaurants.
Reward Redemption Cashback Credited to Statement	Reward Redemption Your earned cashback is automatically credited to the cardholders' accounts.	Reward Redemption Direct cashback to the credit card statement.
Travel N/A	Travel Complimentary lounge access per year at domestic airports, accelerated (4%) cashback on Ola rides with Axis Bank Ace Card.	Travel Complimentary domestic lounge access.
Golf N/A	Golf NA	Golf NA
Domestic Lounge N/A	Domestic Lounge 4 complimentary airport lounge visits to domestic airport lounges per year	Domestic Lounge 4 complimentary domestic lounge access every year.
International Lounge N/A	International Lounge NA	International Lounge NA
Insurance Benefits N/A	Insurance Benefits NA	Insurance Benefits NA
Zero Liability Protection	Zero Liability Protection Cardmembers won't be liable for any unauthorized/fraudulent transactions if the loss of the card is reported within 3 days.	Zero Liability Protection You will not be liable for any fraudulent transactions made on a lost/stolen card if the loss is reported to the bank on time.
Fees & Charges​
Renewal Fee ₹1,000 + GST	Renewal Fee Rs. 499 + GST	Renewal Fee Rs. 500 + GST
Spend-Based Waiver Annual Fee Waiver on Spends of ₹4 Lakh or More	Spend-Based Waiver Joining fee is waived on spends of Rs. 10,000 within 45 days of card issuance, and annual fee (2nd year onwards) is waived on total annual spends of Rs. 2,00,000.	Spend-Based Waiver The annual fee is waived off on spending Rs. 2 lakhs or more in the previous year.
Rewards Redemption Fee N/A	Rewards Redemption Fee Nil	Rewards Redemption Fee Nil
Foreign Currency Markup 3.5%	Foreign Currency Markup 3.5% of the transaction amount	Foreign Currency Markup 3.5% of the total transaction amount.
Interest Rates 3.6% Monthly (52.86% Annually)	Interest Rates 3.6% per month or 52.86% annualized	Interest Rates 3.6% per month
Fuel Surcharge N/A	Fuel Surcharge 1% fuel surcharge is waived for purchases worth between Rs. 400 and Rs. 4,000 (maximum waiver of Rs. 500/month).	Fuel Surcharge 1% fuel surcharge waiver on all transactions between Rs. 400 and Rs. 4,000.
Cash Advance Charges 2.5% of the Withdrawn Amount or ₹500	Cash Advance Charges 2.5% of the withdrawn amount, subject to a minimum amount of Rs. 500.	Cash Advance Charges 2.5% of the withdrawn amount or Rs. 500 (whichever is higher)
Add-on Card Fee N/A	Add-on Card Fee Nil	Add-on Card Fee Nil

Please select your cards carefully and utilize the referral links provided in the attachment below to earn more rewards on card approval.

Earn Flat Rs 2000 CashKaro Rewards on Axis Airtel Credit Card Disbursal | 2024

 

[pinki]

Sbi cashback ✅

 

[Anindya98]

Sbi cashback ✅

No Axis Cashback it's a new credit card by Axis Bank.

 

[pinki]

No Axis Cashback it's a new credit card by Axis Bank.

I know this man.

Chuxis will definitely demand invoices🪓 but SBI not.
So, SBI cashback ✅

Avoid chuxis🪓

 

[pinki]

Don't u ever think ki tum SBI ke jaise chuxis🪓 ko bhi har month 70k ghumake 3-4 hzar ka chuna lga doge .
Its myth🪓🪓🪓🪓🪓🪓🙅


Ps: using this axe emoji multiple times give satisfaction tbh😌😌😌
🪓🪓🪓🪓🪓🪓🪓🪓🪓🪓🪓🪓🪓🪓🪓🪓🤣

 

[InfamousInfamous is verified member.]

I have ACE and no complaints so far. Good option for those who are not eligible for SBI Cashback or have a low limit on it.

 

[Anindya98]

Don't u ever think ki tum SBI ke jaise chuxis🪓 ko bhi har month 70k ghumake 3-4 hzar ka chuna lga doge .
Its myth🪓🪓🪓🪓🪓🪓🙅


Ps: using this axe emoji multiple times give satisfaction tbh😌😌😌
🪓🪓🪓🪓🪓🪓🪓🪓🪓🪓🪓🪓🪓🪓🪓🪓🤣

I hold SBI CB & Airtel Axis not looking for Axis CB or Ace.
Just for comparison within Axis Cards, I made this thread.

 

[drsel]

View attachment 58069 Axis Bank Cashback Credit Card​	Axis Bank ACE Credit Card​	Airtel Axis Bank Credit Card​
Joining Fee ₹1,000 + GST	Joining Fee Rs. 499 + GST	Joining Fee Rs. 500 + GST
Rewards and Benefits​
Welcome Benefits 5,000 EDGE Reward Points on Making the First Transaction Within 30 Days	Welcome Benefits N/A	Welcome Benefits Amazon Voucher Worth Rs. 500
Rewards Rate 7% Cashback on Online Purchases; 0.75% Cashback on Offline and Travel Spends; 0.5% Cashback on Utility Transactions Cashback Structure: - 0.75% on offline transactions and travel spends. - 2% on online spends up to ₹5,000. - 5% on online spends between ₹5,001 and ₹40,000. - 7% on online spends above ₹40,000. - Total monthly cashback capped at ₹4,000. - 0.5% on utility transactions, capped at ₹100 per statement. Usual exclusions like rent, govt spends, fuel, wallet, edu etc.	Rewards Rate 5% cashback on paying bills & on mobile recharges via GPay and 4% cashback on Swiggy, Ola, and Zomato, with a combined capping of Rs. 500 cashback per month. 1.5% cashback elsewhere on other merchants.	Rewards Rate 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH recharges 10% cashback on utility bill payments via the Airtel Thanks app 10% cashback on Swiggy, Zomato and BigBasket, and 1% cashback on other spends.
Movie & Dining 20% discount up to ₹800 on EazyDiner	Movie & Dining A discount of up to 20% on dining at 4,000+ restaurants under the Axis Bank Dining Delights program.	Movie & Dining Up to 20% off on dining across 4000+ participating restaurants.
Reward Redemption Cashback Credited to Statement	Reward Redemption Your earned cashback is automatically credited to the cardholders' accounts.	Reward Redemption Direct cashback to the credit card statement.
Travel N/A	Travel Complimentary lounge access per year at domestic airports, accelerated (4%) cashback on Ola rides with Axis Bank Ace Card.	Travel Complimentary domestic lounge access.
Golf N/A	Golf NA	Golf NA
Domestic Lounge N/A	Domestic Lounge 4 complimentary airport lounge visits to domestic airport lounges per year	Domestic Lounge 4 complimentary domestic lounge access every year.
International Lounge N/A	International Lounge NA	International Lounge NA
Insurance Benefits N/A	Insurance Benefits NA	Insurance Benefits NA
Zero Liability Protection	Zero Liability Protection Cardmembers won't be liable for any unauthorized/fraudulent transactions if the loss of the card is reported within 3 days.	Zero Liability Protection You will not be liable for any fraudulent transactions made on a lost/stolen card if the loss is reported to the bank on time.
Fees & Charges​
Renewal Fee ₹1,000 + GST	Renewal Fee Rs. 499 + GST	Renewal Fee Rs. 500 + GST
Spend-Based Waiver Annual Fee Waiver on Spends of ₹4 Lakh or More	Spend-Based Waiver Joining fee is waived on spends of Rs. 10,000 within 45 days of card issuance, and annual fee (2nd year onwards) is waived on total annual spends of Rs. 2,00,000.	Spend-Based Waiver The annual fee is waived off on spending Rs. 2 lakhs or more in the previous year.
Rewards Redemption Fee N/A	Rewards Redemption Fee Nil	Rewards Redemption Fee Nil
Foreign Currency Markup 3.5%	Foreign Currency Markup 3.5% of the transaction amount	Foreign Currency Markup 3.5% of the total transaction amount.
Interest Rates 3.6% Monthly (52.86% Annually)	Interest Rates 3.6% per month or 52.86% annualized	Interest Rates 3.6% per month
Fuel Surcharge N/A	Fuel Surcharge 1% fuel surcharge is waived for purchases worth between Rs. 400 and Rs. 4,000 (maximum waiver of Rs. 500/month).	Fuel Surcharge 1% fuel surcharge waiver on all transactions between Rs. 400 and Rs. 4,000.
Cash Advance Charges 2.5% of the Withdrawn Amount or ₹500	Cash Advance Charges 2.5% of the withdrawn amount, subject to a minimum amount of Rs. 500.	Cash Advance Charges 2.5% of the withdrawn amount or Rs. 500 (whichever is higher)
Add-on Card Fee N/A	Add-on Card Fee Nil	Add-on Card Fee Nil

Please select your cards carefully and utilize the referral links provided in the attachment below to earn more rewards on card approval.

Earn Flat Rs 2000 CashKaro Rewards on Axis Airtel Credit Card Disbursal | 2024

Nice please add SBI cashback and HDFC swiggy cash back cards also to this comparison

 

[Anindya98]

Nice please add SBI cashback and HDFC swiggy cash back cards also to this comparison

Check this

SBI Cashback CC Vs HDFC Swiggy CC

FeaturesSwiggy HDFCSBI Cashback Annual Fee & Joining Fee₹500 + GST/ LTF (User Specific)₹999 + GST Annual Fees WaiverWaived on annual spends of Rs 2lakhWaived on annual spends of Rs 2lakh Accelerated Cashback10% across SwiggyNot specified Maximum Cap for Accelerated Cashback₹1500Not...

www.technofino.in

 

[drsel]

Check this

SBI Cashback CC Vs HDFC Swiggy CC

FeaturesSwiggy HDFCSBI Cashback Annual Fee & Joining Fee₹500 + GST/ LTF (User Specific)₹999 + GST Annual Fees WaiverWaived on annual spends of Rs 2lakhWaived on annual spends of Rs 2lakh Accelerated Cashback10% across SwiggyNot specified Maximum Cap for Accelerated Cashback₹1500Not...

www.technofino.in

Yes I have seen this, but to compare 5 cashback cards in one chart would be very interesting

 

[Anindya98]

Yes I have seen this, but to compare 5 cashback cards in one chart would be very interesting

I will try to fit all 5 in one thread. Thanks for the suggestion.

 

[drsel]

I will try to fit all 5 in one thread. Thanks for the suggestion.

Great try to include Flipkart also as the 6th cashback card

 

[Shrinit Padwal]

I will try to fit all 5 in one thread. Thanks for the suggestion.

Also can try for HSBC Cashback, SC Smart, HDFC Millenia, AU Xcite Ace

 

[Anindya98]

Also can try for HSBC Cashback, SC Smart, HDFC Millenia, AU Xcite Ace

Can you enlighten me on AU Xcite Ace not explored that yet?
Also, its rewards structure & maximum you can extract from 1 RP.

 

[drsel]

Can you enlighten me on AU Xcite Ace not explored that yet?
Also, its rewards structure & maximum you can extract from 1 RP.

See the review of card insider on Google

 

[iamabhisekagar]

SBI Cashback+ axis Airtel deadly combo like Sachin Sehwag

 

[Anindya98]

SBI Cashback+ axis Airtel deadly combo like Sachin Sehwag

Yes, Utility, Airtel Recharge & Online Spends are sorted. I asked my friend in HDFC to arrange the HDFC Swiggy LTF, lets see if he can get me the card.

 

[shivamk]

Yes, Utility, Airtel Recharge & Online Spends are sorted. I asked my friend in HDFC to arrange the HDFC Swiggy LTF, lets see if he can get me the card.

Can your friend arrange LTF cards for others as well?

 

[Anindya98]

Can your friend arrange LTF cards for others as well?

I have to ask him about this.

 

[shivamk]

I have to ask him about this.

If there's a chance please do DM me. Have been looking for a decent core HDFC card as LTF.