ACE Credit Card vs Kiwi RuPay Credit Card
Axis Bank · Yes 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%
Yes BankScoreGood
Annual FeeFree
Max Reward1.5%
ACE Credit Card leads overall with a CardCheck Score of 79/100 (+14 pts over Kiwi RuPay Credit Card).
4-Pillar Head-to-Head Breakdown
ACE vs KiwiReward Power
35%ACE34/35
Kiwi20/35
ACE Wins
Fee Value & ROI
25%ACE22/25
Kiwi25/25
Kiwi Wins
Lounge & Travel
20%ACE11/20
Kiwi8/20
ACE Wins
Forex & Access
20%ACE12/20
Kiwi12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 65
- Rating Verdict
- Very Good
- Good
- Reward Power (35%)
- 34/35
- 20/35
- Fee Value & ROI (25%)
- 22/25
- 25/25
- Lounge & Travel (20%)
- 11/20
- 8/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- Yes Bank
- Network
- Visa
- RuPay
- Card type
- Regular
- Co-branded
- Best for
- Cashback on utility bills via Google Pay and daily spending
- UPI-first users,daily merchant UPI spends,cashback seekers
03—Fees
- Joining fee
- ₹499
- FreeBest
- Annual fee
- ₹499
- FreeBest
- Fee waiver
- ₹2,00,000
- —
04—Interest
- APR (min)
- 52.86%
- —
- APR (max)
- 52.86%
- —
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1.5%Best
- 0.5%
- Max rate
- 5%Best
- 1.5%
- 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
- 18
- 25
- Min income / month
- ₹15,000
- —
- Min CIBIL
- 750
- —
- Invite only
Rows won
03of 05
02of 05
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 65 |
| Rating Verdict | Very Good | Good |
| Reward Power (35%) | 34/35 | 20/35 |
| Fee Value & ROI (25%) | 22/25 | 25/25 |
| Lounge & Travel (20%) | 11/20 | 8/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | Yes Bank |
| Network | Visa | RuPay |
| Card type | Regular | Co-branded |
| Best for | Cashback on utility bills via Google Pay and daily spending | UPI-first users,daily merchant UPI spends,cashback seekers |
03—Fees Differences highlighted | ||
| Joining fee | ₹499 | FreeBest |
| Annual fee | ₹499 | FreeBest |
| Fee waiver | ₹2,00,000 | — |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | — |
| APR (max) | 52.86% | — |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1.5%Best | 0.5% |
| Max rate | 5%Best | 1.5% |
| 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 | 18 | 25 |
| Min income / month | ₹15,000 | — |
| Min CIBIL | 750 | — |
| Invite only | ||
| Rows won | 03of 05 | 02of 05 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ACE Credit Card | Kiwi RuPay Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 65/100Good |
| Annual Fee | ₹499 | Free (₹0) |
| Fee Waiver Spend | ₹2L/yr | No waiver |
| Max Reward Potential | 5% | 1.5% |
| Domestic Lounge Access | 1 / quarter | 3 / year |
| 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 Kiwi RuPay Credit Card if:
You prioritize Yes Bank's features, reward redemption catalog, and fee terms.
Frequently asked questions: ACE Credit Card vs Kiwi RuPay Credit Card
- Which is better: ACE Credit Card or Kiwi RuPay Credit Card?
- ACE Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 65/100 (Good) for Kiwi RuPay Credit Card (a lead of +14 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, Kiwi RuPay 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 Kiwi RuPay Credit Card?
- ACE Credit Card offers a base reward rate of 1.5% and up to 5% on accelerated partner categories. Meanwhile, Kiwi RuPay Credit Card offers a base rate of 0.5% and up to 1.5% 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 Kiwi RuPay Credit Card?
- ACE Credit Card provides 1 domestic lounge visit(s) per quarter. On the other hand, Kiwi RuPay Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. 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 Kiwi RuPay Credit Card charges 3.50%. 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).