ACE Credit Card vs Samsung Axis Bank Signature Credit Card
Axis Bank · Axis Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹499
Max Reward5%
Axis BankScoreExcellent
Annual Fee₹500
Max Reward10%
Samsung Axis Bank Signature Credit Card leads overall with a CardCheck Score of 82/100 (+3 pts over ACE Credit Card).
4-Pillar Head-to-Head Breakdown
ACE vs SamsungReward Power
35%ACE34/35
Samsung35/35
Samsung Wins
Fee Value & ROI
25%ACE22/25
Samsung24/25
Samsung Wins
Lounge & Travel
20%ACE11/20
Samsung11/20
Tie (11/20)
Forex & Access
20%ACE12/20
Samsung12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 79
- 82Best
- Rating Verdict
- Very Good
- Excellent
- Reward Power (35%)
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 22/25
- 24/25
- Lounge & Travel (20%)
- 11/20
- 11/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- Axis Bank
- Network
- Visa
- Visa
- Card type
- Regular
- Premium
- Best for
- Cashback on utility bills via Google Pay and daily spending
- Samsung product purchases & Samsung Pay spends
03—Fees
- Joining fee
- ₹499Best
- ₹500
- Annual fee
- ₹499Best
- ₹500
- Fee waiver
- ₹2,00,000
- ₹1,00,000Best
04—Interest
- APR (min)
- 52.86%
- 52.86%
- APR (max)
- 52.86%
- 52.86%
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1.5%Best
- 1%
- Max rate
- 5%
- 10%Best
- Monthly cap
- —
- ₹2,500
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- 1
- Intl lounge / year
- 0
- 0
- 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 age
- 18
- 18
- Min income / month
- ₹15,000
- ₹25,000
- Min CIBIL
- 750
- 720Best
- Invite only
Rows won
03of 07
04of 07
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79 | 82Best |
| Rating Verdict | Very Good | Excellent |
| Reward Power (35%) | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 22/25 | 24/25 |
| Lounge & Travel (20%) | 11/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | Axis Bank |
| Network | Visa | Visa |
| Card type | Regular | Premium |
| Best for | Cashback on utility bills via Google Pay and daily spending | Samsung product purchases & Samsung Pay spends |
03—Fees Differences highlighted | ||
| Joining fee | ₹499Best | ₹500 |
| Annual fee | ₹499Best | ₹500 |
| Fee waiver | ₹2,00,000 | ₹1,00,000Best |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | 52.86% |
| APR (max) | 52.86% | 52.86% |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1.5%Best | 1% |
| Max rate | 5% | 10%Best |
| Monthly cap | — | ₹2,500 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | 1 |
| Intl lounge / year | 0 | 0 |
| 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 age | 18 | 18 |
| Min income / month | ₹15,000 | ₹25,000 |
| Min CIBIL | 750 | 720Best |
| Invite only | ||
| Rows won | 03of 07 | 04of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ACE Credit Card | Samsung Axis Bank Signature Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 82/100Excellent |
| Annual Fee | ₹499 | ₹500 |
| Fee Waiver Spend | ₹2L/yr | ₹1L/yr |
| Max Reward Potential | 5% | 10% |
| Domestic Lounge Access | 1 / quarter | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose ACE Credit Card if:
Your spending centers around cashback on utility bills via google pay and daily spending and you want direct partner rewards with Axis Bank.
Choose Samsung Axis Bank Signature Credit Card if:
Your spending aligns with samsung product purchases & samsung pay spends and you prioritize Axis Bank's redemption benefits.
Frequently asked questions: ACE Credit Card vs Samsung Axis Bank Signature Credit Card
- Which is better: ACE Credit Card or Samsung Axis Bank Signature Credit Card?
- Samsung Axis Bank Signature Credit Card holds a higher overall rating with a CardCheck Score of 82/100 (Excellent) compared to 79/100 (Very Good) for ACE Credit Card (a lead of +3 points). Samsung Axis Bank Signature Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- ACE Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, Samsung Axis Bank Signature Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹1 Lakh.
- How do the reward rates and cashback compare between ACE Credit Card and Samsung Axis Bank Signature Credit Card?
- ACE Credit Card offers a base reward rate of 1.5% and up to 5% on accelerated partner categories. Meanwhile, Samsung Axis Bank Signature Credit Card offers a base rate of 1% and up to 10% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: ACE Credit Card or Samsung Axis Bank Signature Credit Card?
- ACE Credit Card provides 1 domestic lounge visit(s) per quarter. On the other hand, Samsung Axis Bank Signature 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?
- ACE Credit Card levies a foreign currency markup fee of 3.5%, while Samsung Axis Bank Signature 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).