Axis ACE vs Axis Burgundy Private
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis Burgundy Private wins 6-3. Private-banking-tied super-premium — fee waived with banking AUM. Axis ACE is still the right call if bill payments + utilities + fuel — set-and-forget cashback.
Side-by-side
| Criterion | Axis ACE | Axis Burgundy Private |
|---|---|---|
| Annual fee | · ₹499 | No annual fee |
| Joining fee | · ₹499 | None |
| Top reward rate | · 4% (fuel) | 5% (general) |
| Base reward rate | · 1.5% | 5% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = Up to ₹2,000 cashback on first 60-day spends | = Burgundy Private banking relationship + 50K points |
| Fee waiver threshold | ₹200,000 / yr | · N/A (no fee) |
| Min income | ₹360,000 | · ₹10,000,000 |
| Min credit score | 750 | · 800 |
| Editorial rating | · 4.5/5 | 4.6/5 |
Benefits compared
Axis ACE
- 5% cashback on Google Pay bill payments (electricity, gas, broadband, mobile, DTH)
- 4% cashback on Swiggy, Zomato, Ola
- 2% cashback on every other transaction
- 4 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver
Axis Burgundy Private
- 5 EDGE points per ₹100
- Unlimited international + domestic lounge access
- Annual fee waived for Burgundy Private clients (₹5Cr+ AUM)
- 0% forex markup on travel via Travel EDGE
- Dedicated relationship manager + concierge
FAQ
›Axis ACE vs Axis Burgundy Private: which is better?
Axis Burgundy Private wins on more dimensions (6 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Axis ACE for its best categories, Axis Burgundy Private for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis ACE: Up to ₹2,000 cashback on first 60-day spends. Axis Burgundy Private: Burgundy Private banking relationship + 50K points.