CardHungry

Side-by-side · honest numbers

Axis Bank ACE Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of Axis Bank ACE Credit Card, SBI Card against Fixed Deposit — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

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

SBI Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature
Axis Bank ACE Credit Card

Axis Bank ACE Credit Card

Axis Bank

SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹499Lifetime free
Fee waiver thresholdWaived at ₹2,00,000/yr spendLifetime free
Min income₹20,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)₹5,475/yr₹1,440/yr
Dining & delivery₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹500/mo—
Utilities & bills₹1,925.00 × 5% = ₹96.25/mo (₹1,155/yr) · issuer max ₹500/mo—
Top reward rate5%80% of FD value
Primary reward cap₹500 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge access4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Non-GPay utilities · EMI · Rent · Wallet loadNot stated
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹6,840/yr combined NAV (₹1,365 vs best solo). Both annual fees apply.

Axis Bank ACE Credit Card details →SBI Card against Fixed Deposit details →

Share this comparison

https://cardhungry.com/in/en/compare/axis-ace-vs-sbi-fd-secured

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis Bank ACE Credit Card leads SBI Card against Fixed Deposit by about ₹4,035/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

Axis Bank ACE Credit Card vs SBI Card against Fixed Deposit comparison table
FeatureAxis Bank ACE Credit Card

Axis Bank

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹499Lifetime free
Fee waiver thresholdWaived at ₹2,00,000/yr spendLifetime free
Min income₹20,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)₹5,475/yr₹1,440/yr
Dining & delivery₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹500/mo—
Utilities & bills₹1,925.00 × 5% = ₹96.25/mo (₹1,155/yr) · issuer max ₹500/mo—
Top reward rate5%80% of FD value
Primary reward cap₹500 rewards/mo capNo monthly cap published
Perks & restrictions
Lounge access4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Non-GPay utilities · EMI · Rent · Wallet loadNot stated
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
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.
Which cards are secured (FD-backed)?
SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

More Axis Bank ACE Credit Card comparisons