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Axis Bank ACE vs SpiceJet Axis Bank Voyage Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

Axis Bank ACE Credit Card versus SpiceJet Axis Bank Voyage Credit Card compared
FeatureAxis Bank ACE Credit CardAxis Bank ACE Credit CardAxis Bank5 recent changes →
SpiceJet Axis Bank Voyage Credit CardSpiceJet Axis Bank Voyage Credit CardAxis Bank5 recent changes →
Rewards by spend
Rewards1.5% on most spends; 5% only at partner merchants0.75% base, up to 1.5% on dining; 4.5% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1.5%0.75%
Dining and food delivery1.5%; 4% only at Swiggy, Zomato, Ola1.5%
Groceries1.5%0.75%
Travel: flights, hotels, trains1.5%0.75%; 4.5% only at SpiceJet
FuelsameEarns nothingEarns nothing
Bills and recharges1.5%; 5% only at Google Pay1.5%
RentEarns nothing0.75%
Insurance premiumsEarns nothing0.75%
School and college feesEarns nothing0.75%
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency1.5%0.75%
Everything else1.5%0.75%
Streaming subscriptions-1.5%
Card identity
Card typeUtility billsTravel
NetworksameVisaVisa
Card tierEntryMid
Fees
Joining fee₹499 + GST₹750 + GST
Annual fee₹499 + GST₹750 + GST
Fee waived at₹2,00,000-
Eligibility
Min age-18 years
Max age-70 years
Employment typesameBOTHBOTH
Rewards
Reward typeCashbackReward points
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap₹500₹400
Lounge access
Domestic lounge visitssame44
International lounge visitssame00
Lounge conditionsameSpend Rs 50,000 in the previous quarter for domestic lounge accessSpend Rs 50,000 in the previous quarter for domestic lounge access
Forex and international
Forex markupsame3.5%3.5%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededsamePAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

Axis Bank ACE Credit Card
Rewards a year
₹3,600
Fee a year
₹0
You keep
₹3,600
SpiceJet Axis Bank Voyage Credit Card
Rewards a year
₹2,256
Fee a year
- ₹885
You keep
₹1,371

At this spend, Axis Bank ACE Credit Card comes out ₹2,229 a year ahead of SpiceJet Axis Bank Voyage Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

Axis Bank ACE Credit Card
  • Salaried users paying bills online
  • Food delivery and cab users
  • First-time card users
  • People who prefer cashback
SpiceJet Axis Bank Voyage Credit Card
  • Travel only at SpiceJet: 4.5% back
  • Dining: 1.5% back
  • Flyers: 4 airport lounge visits a year

Watch-Outs

Axis Bank ACE Credit Card
  • Bill and food cashback capped monthly
  • Bill cashback only via Google Pay
  • 3.5% forex markup
  • Lounge visits are spend-linked
SpiceJet Axis Bank Voyage Credit Card
  • Skip it if you spend less than ₹10,000 a month: below that the ₹885 fee costs more than the rewards
  • Skip it if most of your spending is fuel or wallet top-ups: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing

Card data sourced via CardAdvisor.in (Axis Bank ACE Credit Card, SpiceJet Axis Bank Voyage Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Axis Bank ACE Credit Card or SpiceJet Axis Bank Voyage Credit Card?

Axis Bank ACE Credit Card. Axis Bank ACE Credit Card: ₹499; SpiceJet Axis Bank Voyage Credit Card: ₹750. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Axis Bank ACE Credit Card has the lowest forex markup. Axis Bank ACE Credit Card: 3.5%; SpiceJet Axis Bank Voyage Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Axis Bank ACE Credit Card 1.5%, SpiceJet Axis Bank Voyage Credit Card 0.75%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

Axis Bank ACE Credit Card: 4 domestic lounge visits a year; SpiceJet Axis Bank Voyage Credit Card: 4 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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