AU KOSMO Credit Card vs ACE Credit Card
AU Small Finance Bank · Axis Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
AU Small Finance BankScoreGood
Annual FeeFree
Max Reward1.5%
Axis BankScoreVery Good
Annual Fee₹499
Max Reward5%
ACE Credit Card leads overall with a CardCheck Score of 79/100 (+18 pts over AU KOSMO Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs ACEReward Power
35%AU20/35
ACE34/35
ACE Wins
Fee Value & ROI
25%AU25/25
ACE22/25
AU Wins
Lounge & Travel
20%AU4/20
ACE11/20
ACE Wins
Forex & Access
20%AU12/20
ACE12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 61
- 79Best
- Rating Verdict
- Good
- Very Good
- Reward Power (35%)
- 20/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 22/25
- Lounge & Travel (20%)
- 4/20
- 11/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- AU Small Finance Bank
- Axis Bank
- Network
- RuPay
- Visa
- Card type
- Co-branded
- Regular
- Best for
- UPI payments and rewards
- Cashback on utility bills via Google Pay and daily spending
03—Fees
- Joining fee
- FreeBest
- ₹499
- Annual fee
- FreeBest
- ₹499
- Fee waiver
- FreeBest
- ₹2,00,000
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 45%Best
- 52.86%
- APR (max)
- 45%Best
- 52.86%
- Late payment fee
- —
- ₹1,200
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 1.5%
- 1.5%
- Max rate
- 1.5%
- 5%Best
- Point value
- ₹0.25
- —
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 1
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- —
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 18
- Min income / month
- —
- ₹15,000
- Min CIBIL
- —
- 750
- Invite only
Rows won
05of 07
02of 07
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 61 | 79Best |
| Rating Verdict | Good | Very Good |
| Reward Power (35%) | 20/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 22/25 |
| Lounge & Travel (20%) | 4/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | Axis Bank |
| Network | RuPay | Visa |
| Card type | Co-branded | Regular |
| Best for | UPI payments and rewards | Cashback on utility bills via Google Pay and daily spending |
03—Fees Differences highlighted | ||
| Joining fee | FreeBest | ₹499 |
| Annual fee | FreeBest | ₹499 |
| Fee waiver | FreeBest | ₹2,00,000 |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 45%Best | 52.86% |
| APR (max) | 45%Best | 52.86% |
| Late payment fee | — | ₹1,200 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 1.5% | 1.5% |
| Max rate | 1.5% | 5%Best |
| Point value | ₹0.25 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 1 |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | — | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 18 |
| Min income / month | — | ₹15,000 |
| Min CIBIL | — | 750 |
| Invite only | ||
| Rows won | 05of 07 | 02of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU KOSMO Credit Card | ACE Credit Card |
|---|---|---|
| CardCheck Score | 61/100Good | 79/100Very Good |
| Annual Fee | Free (₹0) | ₹499 |
| Fee Waiver Spend | No waiver | ₹2L/yr |
| Max Reward Potential | 1.5% | 5% |
| Domestic Lounge Access | Check terms | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose AU KOSMO Credit Card if:
Your spending centers around upi payments and rewards and you want direct partner rewards with AU Small Finance Bank.
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: AU KOSMO Credit Card vs ACE Credit Card
- Which is better: AU KOSMO 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 61/100 (Good) for AU KOSMO Credit Card (a lead of +18 points). ACE Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- AU KOSMO Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone 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 AU KOSMO Credit Card and ACE Credit Card?
- AU KOSMO Credit Card offers a base reward rate of 1.5% and up to 1.5% 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: AU KOSMO Credit Card or ACE Credit Card?
- AU KOSMO Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. On the other hand, ACE Credit Card provides 1 domestic lounge visit(s) per quarter. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- AU KOSMO Credit Card levies a foreign currency markup fee of 3.50%, 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).