Side-by-side · honest numbers
Axis Bank ACE Credit Card vs Kotak White Credit Card
Honest side-by-side comparison of Axis Bank ACE Credit Card, Kotak White Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis Bank ACE Credit Card
Axis Bank
Kotak White Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | Axis Bank ACE Credit Card Axis Bank | Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | ₹3,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | ₹4,00,000/yr |
| Min income | ₹20,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,475/yr | -₹3,420/yr |
| Dining & delivery | ₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹500/mo | — |
| Travel | — | ₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr) |
| Utilities & bills | ₹1,925.00 × 5% = ₹96.25/mo (₹1,155/yr) · issuer max ₹500/mo | — |
| Top reward rate | 5% | 2X reward points |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) | 8 domestic (2/quarter) + 4 international/year (Priority Pass) · Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Non-GPay utilities · EMI · Rent · Wallet load | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
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Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/axis-ace-vs-kotak-whiteReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank ACE Credit Card leads Kotak White Credit Card by about ₹8,895/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | Axis Bank ACE Credit Card Axis Bank | Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | ₹3,000 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | ₹4,00,000/yr |
| Min income | ₹20,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,475/yr | -₹3,420/yr |
| Dining & delivery | ₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹500/mo | — |
| Travel | — | ₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr) |
| Utilities & bills | ₹1,925.00 × 5% = ₹96.25/mo (₹1,155/yr) · issuer max ₹500/mo | — |
| Top reward rate | 5% | 2X reward points |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) | 8 domestic (2/quarter) + 4 international/year (Priority Pass) · Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Non-GPay utilities · EMI · Rent · Wallet load | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank ACE Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- Axis Bank ACE Credit Card leads with an estimated ₹5,475/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank ACE Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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