ACE Credit Card vs Federal Bank Mastercard Signet Credit Card
Axis Bank · Federal Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹499
Max Reward5%
Federal BankScoreVery Good
Annual FeeFree
Max Reward3%
ACE Credit Card leads overall with a CardCheck Score of 79/100 (+4 pts over Federal Bank Mastercard Signet Credit Card).
4-Pillar Head-to-Head Breakdown
ACE vs FederalReward Power
35%ACE34/35
Federal27/35
ACE Wins
Fee Value & ROI
25%ACE22/25
Federal25/25
Federal Wins
Lounge & Travel
20%ACE11/20
Federal11/20
Tie (11/20)
Forex & Access
20%ACE12/20
Federal12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 75
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 27/35
- Fee Value & ROI (25%)
- 22/25
- 25/25
- Lounge & Travel (20%)
- 11/20
- 11/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- Federal Bank
- Network
- Visa
- Mastercard
- Card type
- Regular
- Regular
- Best for
- Cashback on utility bills via Google Pay and daily spending
- Lifetime free starter card — lounge access and rewards at zero annual fee
03—Fees
- Joining fee
- ₹499
- FreeBest
- Annual fee
- ₹499
- FreeBest
- Fee waiver
- ₹2,00,000
- —
- Interest-free days
- 50Best
- 48
04—Interest
- APR (min)
- 55.55%
- 23.88%Best
- APR (max)
- 55.55%
- 45%Best
- Late payment fee
- ₹1,300
- ₹1,250Best
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1.5%Best
- 1%
- Max rate
- 5%Best
- 3%
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- 1
- Lounge spend criteria
- ₹50,000 spend in the previous 3 calendar months.
- No spend condition
- Intl lounge / year
- —
- 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 income / month
- ₹25,000
- —
- Invite only
Rows won
04of 09
05of 09
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 75 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 27/35 |
| Fee Value & ROI (25%) | 22/25 | 25/25 |
| Lounge & Travel (20%) | 11/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | Federal Bank |
| Network | Visa | Mastercard |
| Card type | Regular | Regular |
| Best for | Cashback on utility bills via Google Pay and daily spending | Lifetime free starter card — lounge access and rewards at zero annual fee |
03—Fees Differences highlighted | ||
| Joining fee | ₹499 | FreeBest |
| Annual fee | ₹499 | FreeBest |
| Fee waiver | ₹2,00,000 | — |
| Interest-free days | 50Best | 48 |
04—Interest Differences highlighted | ||
| APR (min) | 55.55% | 23.88%Best |
| APR (max) | 55.55% | 45%Best |
| Late payment fee | ₹1,300 | ₹1,250Best |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1.5%Best | 1% |
| Max rate | 5%Best | 3% |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | 1 |
| Lounge spend criteria | ₹50,000 spend in the previous 3 calendar months. | No spend condition |
| Intl lounge / year | — | 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 income / month | ₹25,000 | — |
| Invite only | ||
| Rows won | 04of 09 | 05of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ACE Credit Card | Federal Bank Mastercard Signet Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 75/100Very Good |
| Annual Fee | ₹499 | Free (₹0) |
| Fee Waiver Spend | ₹2L/yr | No waiver |
| Max Reward Potential | 5% | 3% |
| 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 Federal Bank Mastercard Signet Credit Card if:
Your spending aligns with lifetime free starter card — lounge access and rewards at zero annual fee and you prioritize Federal Bank's redemption benefits.
Frequently asked questions: ACE Credit Card vs Federal Bank Mastercard Signet Credit Card
- Which is better: ACE Credit Card or Federal Bank Mastercard Signet Credit Card?
- ACE Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 75/100 (Very Good) for Federal Bank Mastercard Signet Credit Card (a lead of +4 points). ACE Credit Card gains its scoring lead primarily through reward potential (34 vs 27) while tying on lounge & travel privileges and forex & terms.
- 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, Federal Bank Mastercard Signet Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between ACE Credit Card and Federal Bank Mastercard Signet Credit Card?
- ACE Credit Card offers a base reward rate of 1.5% and up to 5% on accelerated partner categories. Meanwhile, Federal Bank Mastercard Signet Credit Card offers a base rate of 1% and up to 3% 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 Federal Bank Mastercard Signet Credit Card?
- ACE Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) (₹50,000 spend in the previous 3 calendar months.). On the other hand, Federal Bank Mastercard Signet Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year).
- Which card is better for international foreign currency spends?
- ACE Credit Card levies a foreign currency markup fee of 3.5%, while Federal Bank Mastercard Signet 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).