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Credit CardsComparisons

AU Bank Vetta Credit Card vs Axis Bank ACE Credit Card

A head-to-head comparison of AU Bank Vetta Credit Card and Axis Bank ACE Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

Grocery & RetailCard A

AU Bank Vetta Credit Card

Grocery & Lifestyle Spends

Annual Fee
₹2,999
Reward Rate
4 RP per ₹100 on grocery (~1% effective)
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Grocery & RetailCard B

Axis Bank ACE Credit Card

Retail & Groceries

Annual Fee
₹499
Reward Rate
1.5% Flat Cashback
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Feature comparison

FeatureAU BankAxis Bank
Annual Fee₹2,999 + GST (Waived on ₹40K spend within 90 days; subsequent years waived on ₹1.5L annual spend)₹499 (Waived on ₹2L spend)
Reward Rate4 RP per ₹100 on grocery (~1% effective)1.5% Flat Cashback
Best ForGrocery & Lifestyle SpendsRetail & Groceries
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankAxis Bank
Groceries
Dining
Utility bills
Everyday spending
Airport lounge access

Quick verdict

Choose AU Bank Vetta Credit Card if:

  • You spend heavily on airport lounge access

Choose Axis Bank ACE Credit Card if:

  • Lower annual fee (₹499 vs ₹2,999)
  • You spend heavily on everyday spending
  • You spend heavily on utility bills
  • This is your first credit card

Full pros & cons

AU Bank Vetta Credit Card

What's good
  • 4 RP per ₹100 on grocery and departmental stores (~1% effective)
  • 1 domestic + 1 international lounge visit per quarter via Priority Pass
  • ₹2,000 welcome brand vouchers on ₹30,000 spend within 60 days
  • Up to 30% dining discounts at partner restaurants
  • ₹50L air accident insurance; birthday bonus of 1,000 RP
Watch out for
  • Base rate of 0.5% on non-grocery spends is weak for a ₹3K-fee card
  • 2.99% forex markup — not suitable for international travel despite offering international lounge
  • Lounge access requires ₹50,000 quarterly spend (raised from ₹20K in April 2026)
  • ₹99 + GST redemption fee per transaction reduces effective reward value
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Axis Bank ACE Credit Card

What's good
  • Uncapped 1.5% cashback on all online and offline spends
  • 5% cashback on utility bill payments via Google Pay, PhonePe, or any BBPS-enabled UPI app
  • 4% cashback on Swiggy, Zomato, and Ola
Watch out for
  • 5% and 4% cashback categories have a strict combined cap of ₹500 per month
  • Lounge access requires a heavy ₹50,000 spend in the previous quarter
  • Cashback credited only after statement generation
Apply Now
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