Head-to-head · 🇮🇳 India
Axis ACE vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Axis Bank
Axis ACE
VISA
Wins 5 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 3 of 10
Verdict
Axis ACE wins 5-3. Bill payments + utilities + fuel — set-and-forget cashback SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | Axis ACE | SBI Aurum |
|---|---|---|
| Annual fee | ₹499 | · ₹9,999 |
| Joining fee | ₹499 | · ₹9,999 |
| Top reward rate | = 4% (fuel) | = 4% (general) |
| Base reward rate | · 1.5% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Up to ₹2,000 cashback on first 60-day spends | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹200,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹360,000 | · ₹3,500,000 |
| 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
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›Axis ACE vs SBI Aurum: which is better?
Axis ACE wins on more dimensions (5 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, SBI Aurum 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. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.