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CARD VS CARD · 28 APPS COMPARED

Axis ACE vs Cashback SBI

Axis ACE wins on 2 apps, Cashback SBI on 25. Axis ACE for ixigo and IRCTC Rail Connect; Cashback SBI for AJIO and Amazon.

Axis Bank ACE Credit Card

Axis ACE

2 apps

Best for ixigo and IRCTC Rail Connect

No new applications
₹499 a yearFee waived at ₹10,000 spendPaid as cashback
Cashback SBI Card

Cashback SBI

25 apps

Best for AJIO, Amazon and Apollo 24|7

₹999 a yearPaid as cashback

They earn the same on 1 app.

App by app

Biggest differences first. Blue marks the card that earns more.

AppAxis ACECashback SBI
  1. AJIO1.5%5%min ₹100
  2. Amazon1.5%5%min ₹100
  3. Apollo 24|71.5%5%min ₹100
  4. BigBasket1.5%5%min ₹100
  5. Blinkit1.5%5%min ₹100
  6. BookMyShow1.5%5%min ₹100
  7. Cleartrip1.5%5%min ₹100
  8. District1.5%5%min ₹100
  9. Domino's1.5%5%min ₹100
  10. Flipkart1.5%5%min ₹100
  11. Goibibo1.5%5%min ₹100
  12. JioMart1.5%5%min ₹100
  13. MakeMyTrip1.5%5%min ₹100
  14. Meesho1.5%5%min ₹100
  15. Myntra1.5%5%min ₹100
  16. Nykaa1.5%5%min ₹100
  17. PVR INOX1.5%5%min ₹100
  18. Reliance Digital1.5%5%min ₹100
  19. Swiggy Instamart1.5%5%min ₹100
  20. Tata CLiQ1.5%5%min ₹100
  21. Tata Neu1.5%5%min ₹100
  22. Uber1.5%5%min ₹100
  23. Zepto1.5%5%min ₹100
  24. ixigo1.5%0%
  25. Swiggy4%5%min ₹100
  26. Zomato4%5%min ₹100
  27. IRCTC Rail Connect0.32%0%
  28. Airtel Thanks0%0%

Questions people ask

Which is better, Axis ACE or Cashback SBI?

Axis ACE earns more on 2 of the 28 apps Pickkard covers, Cashback SBI on 25, and they earn the same on 1. Choose Axis ACE if you spend most on ixigo and IRCTC Rail Connect. Choose Cashback SBI if you spend most on AJIO, Amazon and Apollo 24|7. Axis ACE has the lower annual fee (₹499 against ₹999). Note: Axis ACE is closed to new applications.

Which has the lower fees, Axis ACE or Cashback SBI?

Axis ACE: joining ₹499, annual ₹499 (Joining fee waived on ₹10,000 of spend within 45 days of card set-up. Annual fee waived from the second year on annual spend above ₹2,00,000 (rent, wallet loads and gift cards don't count).). Cashback SBI: joining ₹999, annual ₹999 (Renewal fee reversed after ₹2,00,000 of spend in the previous card year.).

Can I use both Axis ACE and Cashback SBI?

Yes. Many people keep both and use each where it earns more: Axis ACE on ixigo and IRCTC Rail Connect, Cashback SBI on AJIO, Amazon and Apollo 24|7. Pickkard tells you which one to use each time you open a shopping app.

Rewards are as per each bank’s published terms (checked 22 Oct 2026 and 22 Oct 2026) and can change. Limits and minimum orders apply; see each card’s page for details. Pickkard isn’t a bank and isn’t paid by any bank for comparisons.