American Express SmartEarn Credit Card vs ACE Credit Card
American Express · Axis Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
American ExpressScoreVery Good
Annual Fee₹495
Max Reward5%
Axis BankScoreVery Good
Annual Fee₹499
Max Reward5%
ACE Credit Card leads overall with a CardCheck Score of 79/100 (+9 pts over American Express SmartEarn Credit Card).
4-Pillar Head-to-Head Breakdown
American vs ACEReward Power
35%American34/35
ACE34/35
Tie (34/35)
Fee Value & ROI
25%American24/25
ACE22/25
American Wins
Lounge & Travel
20%American4/20
ACE11/20
ACE Wins
Forex & Access
20%American8/20
ACE12/20
ACE Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 70
- 79Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 24/25
- 22/25
- Lounge & Travel (20%)
- 4/20
- 11/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- American Express
- Axis Bank
- Network
- Amex
- Visa
- Card type
- Regular
- Regular
- Best for
- Budget online shopping — up to 10 MR points per ₹50 on Amazon & Swiggy
- Cashback on utility bills via Google Pay and daily spending
03—Fees
- Joining fee
- ₹495Best
- ₹499
- Annual fee
- ₹495Best
- ₹499
- Fee waiver
- ₹40,000Best
- ₹2,00,000
- Interest-free days
- 51Best
- 50
04—Interest
- APR (min)
- 42%Best
- 55.55%
- APR (max)
- 42%Best
- 55.55%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 3.5%
- 2.5%Best
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 0.5%
- 1.5%Best
- Max rate
- 5%
- 5%
- Points / ₹100
- 2
- —
- Point value
- ₹0.25
- —
- Monthly cap
- ₹250
- —
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 1
- Lounge spend criteria
- —
- ₹50,000 spend in the previous 3 calendar months.
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹37,500
- ₹25,000
- Invite only
Rows won
06of 09
03of 09
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 70 | 79Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 24/25 | 22/25 |
| Lounge & Travel (20%) | 4/20 | 11/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | American Express | Axis Bank |
| Network | Amex | Visa |
| Card type | Regular | Regular |
| Best for | Budget online shopping — up to 10 MR points per ₹50 on Amazon & Swiggy | Cashback on utility bills via Google Pay and daily spending |
03—Fees Differences highlighted | ||
| Joining fee | ₹495Best | ₹499 |
| Annual fee | ₹495Best | ₹499 |
| Fee waiver | ₹40,000Best | ₹2,00,000 |
| Interest-free days | 51Best | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42%Best | 55.55% |
| APR (max) | 42%Best | 55.55% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 3.5% | 2.5%Best |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 0.5% | 1.5%Best |
| Max rate | 5% | 5% |
| Points / ₹100 | 2 | — |
| Point value | ₹0.25 | — |
| Monthly cap | ₹250 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 1 |
| Lounge spend criteria | — | ₹50,000 spend in the previous 3 calendar months. |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹37,500 | ₹25,000 |
| Invite only | ||
| Rows won | 06of 09 | 03of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | American Express SmartEarn Credit Card | ACE Credit Card |
|---|---|---|
| CardCheck Score | 70/100Very Good | 79/100Very Good |
| Annual Fee | ₹495 | ₹499 |
| Fee Waiver Spend | ₹40,000/yr | ₹2L/yr |
| Max Reward Potential | 5% | 5% |
| Domestic Lounge Access | Check terms | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose American Express SmartEarn Credit Card if:
Your spending centers around budget online shopping — up to 10 mr points per ₹50 on amazon & swiggy and you want direct partner rewards with American Express.
Choose ACE Credit Card if:
Your spending aligns with cashback on utility bills via google pay and daily spending and you prioritize Axis Bank's redemption benefits.
Frequently asked questions: American Express SmartEarn Credit Card vs ACE Credit Card
- Which is better: American Express SmartEarn Credit Card or ACE Credit Card?
- ACE Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 70/100 (Very Good) for American Express SmartEarn Credit Card (a lead of +9 points). ACE Credit Card gains its scoring lead primarily through lounge & travel privileges (11 vs 4) and forex & terms (12 vs 8) while tying on reward potential.
- How do annual fees and fee waiver spend rules compare?
- American Express SmartEarn Credit Card charges an annual fee of ₹495 with an annual spend threshold of ₹40,000 for renewal fee waiver. In comparison, ACE Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between American Express SmartEarn Credit Card and ACE Credit Card?
- American Express SmartEarn Credit Card offers a base reward rate of 0.5% and up to 5% on accelerated partner categories. Meanwhile, ACE Credit Card offers a base rate of 1.5% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: American Express SmartEarn Credit Card or ACE Credit Card?
- American Express SmartEarn Credit Card provides no complimentary airport lounge access. On the other hand, ACE Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) (₹50,000 spend in the previous 3 calendar months.).
- Which card is better for international foreign currency spends?
- American Express SmartEarn Credit Card levies a foreign currency markup fee of 3.5%, while ACE Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).