ACE Credit Card vs RBL Bank Platinum Maxima Plus Credit Card
Axis Bank · RBL 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%
ScoreGood
Annual Fee₹2,500
Max Reward2.5%
ACE Credit Card leads overall with a CardCheck Score of 79/100 (+12 pts over RBL Bank Platinum Maxima Plus Credit Card).
4-Pillar Head-to-Head Breakdown
ACE vs RBLReward Power
35%ACE34/35
RBL24/35
ACE Wins
Fee Value & ROI
25%ACE22/25
RBL18/25
ACE Wins
Lounge & Travel
20%ACE11/20
RBL15/20
RBL Wins
Forex & Access
20%ACE12/20
RBL10/20
ACE Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 67
- Rating Verdict
- Very Good
- Good
- Reward Power (35%)
- 34/35
- 24/35
- Fee Value & ROI (25%)
- 22/25
- 18/25
- Lounge & Travel (20%)
- 11/20
- 15/20
- Forex & Access (20%)
- 12/20
- 10/20
02—Basic Info
- Bank
- Axis Bank
- RBL Bank
- Network
- Visa
- Mastercard
- Card type
- Regular
- Premium
- Best for
- Cashback on utility bills via Google Pay and daily spending
- Mid-tier rewards — 5 RP per ₹100 on dining/travel + 2 lounge/quarter
03—Fees
- Joining fee
- ₹499Best
- ₹500
- Annual fee
- ₹499Best
- ₹2,500
- Fee waiver
- ₹2,00,000Best
- ₹3,00,000
- Interest-free days
- —
- 17
04—Interest
- APR (min)
- 52.86%
- 42%Best
- APR (max)
- 52.86%
- 42%Best
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1.5%Best
- 0.5%
- Max rate
- 5%Best
- 2.5%
- Points / ₹100
- —
- 10
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- 2Best
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 21
- Min income / month
- ₹15,000
- ₹50,000
- Min CIBIL
- 750
- 720Best
- Invite only
Rows won
07of 12
05of 12
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 67 |
| Rating Verdict | Very Good | Good |
| Reward Power (35%) | 34/35 | 24/35 |
| Fee Value & ROI (25%) | 22/25 | 18/25 |
| Lounge & Travel (20%) | 11/20 | 15/20 |
| Forex & Access (20%) | 12/20 | 10/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | RBL Bank |
| Network | Visa | Mastercard |
| Card type | Regular | Premium |
| Best for | Cashback on utility bills via Google Pay and daily spending | Mid-tier rewards — 5 RP per ₹100 on dining/travel + 2 lounge/quarter |
03—Fees Differences highlighted | ||
| Joining fee | ₹499Best | ₹500 |
| Annual fee | ₹499Best | ₹2,500 |
| Fee waiver | ₹2,00,000Best | ₹3,00,000 |
| Interest-free days | — | 17 |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | 42%Best |
| APR (max) | 52.86% | 42%Best |
| Late payment fee | ₹1,200Best | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1.5%Best | 0.5% |
| Max rate | 5%Best | 2.5% |
| Points / ₹100 | — | 10 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | 2Best |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 21 |
| Min income / month | ₹15,000 | ₹50,000 |
| Min CIBIL | 750 | 720Best |
| Invite only | ||
| Rows won | 07of 12 | 05of 12 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ACE Credit Card | RBL Bank Platinum Maxima Plus Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 67/100Good |
| Annual Fee | ₹499 | ₹2,500 |
| Fee Waiver Spend | ₹2L/yr | ₹3L/yr |
| Max Reward Potential | 5% | 2.5% |
| Domestic Lounge Access | 1 / quarter | 2 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3% |
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 RBL Bank Platinum Maxima Plus Credit Card if:
Your spending aligns with mid-tier rewards — 5 rp per ₹100 on dining/travel + 2 lounge/quarter and you prioritize RBL Bank's redemption benefits.
Frequently asked questions: ACE Credit Card vs RBL Bank Platinum Maxima Plus Credit Card
- Which is better: ACE Credit Card or RBL Bank Platinum Maxima Plus Credit Card?
- ACE Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 67/100 (Good) for RBL Bank Platinum Maxima Plus Credit Card (a lead of +12 points). ACE Credit Card provides better net value across rewards and fee structures.
- 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, RBL Bank Platinum Maxima Plus Credit Card charges an annual fee of ₹2,500 with an annual spend threshold of ₹3 Lakh.
- How do the reward rates and cashback compare between ACE Credit Card and RBL Bank Platinum Maxima Plus Credit Card?
- ACE Credit Card offers a base reward rate of 1.5% and up to 5% on accelerated partner categories. Meanwhile, RBL Bank Platinum Maxima Plus Credit Card offers a base rate of 0.5% and up to 2.5% 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 RBL Bank Platinum Maxima Plus Credit Card?
- ACE Credit Card provides 1 domestic lounge visit(s) per quarter. On the other hand, RBL Bank Platinum Maxima Plus Credit Card provides 2 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 RBL Bank Platinum Maxima Plus Credit Card charges 3%. 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).