Here’s a quick visual table comparing the key features of both cards — including cashback categories, UPI support, annual fee waivers, and ideal usage. Perfect for side-by-side decision making or sharing with anyone comparing daily spend cards. For more details, visit the official SBI Cashback Credit Card page.
🖼️ Share this chart or download the 1-page PDF summary.
Choose SBI Cashback if you shop frequently on platforms like Amazon, AJIO, and Nykaa — it offers flat 5% cashback on eligible online spends. Opt for the Axis ACE Credit Card if you pay utility bills and mobile recharges using Google Pay — you’ll earn 5% back on those.
Both cards auto-credit cashback and waive annual fees at ₹2L annual spend, but their rewards structures target different spending habits. Pick based on where your monthly expenses lie.
Trying to decide between the SBI Cashback Credit Card and the Axis Bank ACE Credit Card? You’re not alone — they’re two of India’s most popular cashback cards. But while SBI Cashback offers flat rewards on online shopping, Axis ACE targets utility expenses with 5% cashback via Google Pay billers.
In this in-depth comparison, we’ll cover cashback rates, reward exclusions, UPI compatibility, annual charges, and real-life usability. These insights will help you pick the card that aligns with your everyday spending — whether it’s shopping apps or power bills.
🧑💼 Reviewed by Tausif Shaikh | 📅 Updated June 2025 | 🔗 Source: Updatepedia.com
💬 Want to know if SBI’s flat 5% trumps ACE’s utility perks? Read on for calculator tools, exclusion lists, and monthly saving tips for real-life use cases.
SBI Cashback Card shines with flat online rewards, while ACE Card excels at utility bill cashback through Google Pay. Let’s break down where each one gives you the most value.
| Spend Category | SBI Cashback Card | Axis ACE Card |
|---|---|---|
| Online Shopping (Amazon, AJIO, Nykaa) | ✅ 5% Cashback | 2% on GPay spends 1.5% on others |
| Utility Bills via Google Pay | ❌ Not Supported | ✅ 5% Cashback |
| Offline Purchases (POS terminals) | 1% Cashback | 1% Cashback |
| Rent, Wallet Loads, Fuel, Insurance | ❌ Excluded | ❌ Excluded |
| UPI Transactions (General) | ❌ Not Available | ✔️ Supported via Google Pay |
If you’re shopping from your favorite online retailers like Amazon or Nykaa, the SBI Cashback Card provides simple flat-rate rewards. However, if your monthly budget includes utility bills paid via GPay, the Axis ACE Card gives superior value with 5% returns — unmatched by SBI.
“Which credit card gives cashback on bill payments through Google Pay?” → Axis ACE wins with 5% cashback.
“Which card gives flat 5% cashback on Amazon and Nykaa?” → SBI Cashback is the better pick for ecommerce.
📅 Fact Check (Updated: June 2025): Cashback details confirmed from SBI Card and Axis Bank official product pages. Utility cashback via GPay and exclusions last verified on June 1, 2025.
✅ Reviewed by Tausif Shaikh · Source: Updatepedia.com
With a spend of ₹42,500/month, the Axis ACE Card leads on utility bills with 5% via Google Pay, while the SBI Cashback Card performs better on eCommerce sites with flat 5% rewards on eligible online spends. Choose based on your habits: utilities vs online shopping.
Effective Cashback: ₹1,270 (SBI Cashback) vs ₹1,345 (ACE)
| Category | Spend Amount | SBI Cashback | Axis ACE |
|---|---|---|---|
| Online Shopping (Amazon, Nykaa) | ₹22,000 | ₹1,100 (5%) | ₹440 (2%) |
| Utility Bills via Google Pay | ₹12,000 | ❌ ₹0 (Not eligible) | ₹600 (5%) |
| Offline Spends / Groceries / Dining | ₹8,500 | ₹170 (2%) | ₹305 (3.6%) |
| Total Monthly Cashback | ₹42,500 | ₹1,270 | ₹1,345 |
“Which credit card gives more cashback if I pay electricity and broadband bills?” → Axis ACE offers 5% via Google Pay.
“Best card for 40K+ spend on Amazon and groceries?” → SBI Cashback gives flat 5% on eligible online spends.
📅 Fact Check (June 2025): Cashback structure confirmed from official Axis Bank and SBI Card sources. Updated June 5, 2025.
✅ Reviewed by Tausif Shaikh · Source: Updatepedia.com
With UPI-based credit card usage growing rapidly in India, it’s vital to know which card works with mobile wallets, NFC tap-to-pay, and which support UPI linking — especially for rent, bills, or merchant payments. Here’s a hands-on look at how SBI Cashback and ACE Credit Card stack up for digital transactions in 2025.
| Payment Feature | SBI Cashback Credit Card | Axis Bank ACE Credit Card |
|---|---|---|
| UPI Linking via Credit Card | ❌ Not Supported | ❌ Not Supported (Only GPay spends via card allowed) |
| Google Pay / PhonePe / Paytm Wallet Usage | ❌ Limited (Works only for OTP-based card payments) | ✅ Accepted on GPay as credit card (Visa route) |
| NFC Tap & Pay (POS terminals) | ✅ Yes (if enabled; check card variant) | ✅ Yes (default on Visa cards) |
| Supported Network(s) | Visa (No UPI on credit) | Visa / Mastercard (UPI not yet live) |
“Can SBI Cashback Credit Card be used for UPI?” → No. SBI does not support UPI linking for credit cards as of June 2025.
“Does Axis Bank ACE Card support UPI on Google Pay?” → You can pay bills through GPay using the card, but UPI QR payments aren’t allowed.
“Which credit card supports NFC tap-to-pay?” → Both SBI and Axis ACE offer NFC support via Visa or Mastercard variants.
📅 Fact Check (June 2025): Verified from SBI Card, Axis Bank, and NPCI circulars. UPI for credit cards is currently limited to RuPay network, not available for SBI or ACE cards.
✅ Reviewed by Tausif Shaikh · Source: Updatepedia.com
SBI Cashback and Axis ACE both offer automatic cashback handling. The earned amount is either auto-credited to your card statement or adjusted against your next bill — no login, no manual redemption, and no reward catalogue involved.
Unlike points-based systems, both these cards prioritize simplicity for users who value passive, real-money savings.
| Redemption Feature | SBI Cashback Credit Card | Axis Bank ACE Credit Card |
|---|---|---|
| Cashback Redemption Method | Credited directly to card account | Auto-adjusted in next month’s statement |
| Manual Steps Required? | ❌ No redemption portal needed | ❌ Fully automatic process |
| Reward Type | Pure cashback (no points/vouchers) | Real cashback (no conversion rates) |
✅ Fact Check: Redemption workflows verified via official SBI Card & Axis Bank terms and FAQs (as of June 2025). Both cards credit cashback automatically post-billing cycle.
🖋️ Reviewed by Tausif Shaikh · Source: Updatepedia.com
Axis ACE comes with a modest ₹499 fee that gets waived on spending ₹2L annually — very achievable for bill payers. The SBI Cashback Credit Card, while packed with rewards, is slightly pricier at ₹999 unless you meet the waiver condition.
If keeping your credit card cost near zero is important, here’s how both compare on charges and fee waivers:
| Fee Component | SBI Cashback Credit Card | Axis Bank ACE Credit Card |
|---|---|---|
| Joining Fee | ₹999 + GST | ₹499 + GST |
| Renewal Fee (From Year 2) | ₹999 + GST | ₹499 + GST |
| Annual Fee Waiver | Spend ₹2L in previous card year | Spend ₹2L in previous card year |
| Effective Cost if Waiver Met | ₹0 (but higher upfront) | ₹0 (lower barrier entry) |
✅ Fact Check: Fee and waiver details verified via SBI Card and Axis Bank official product pages as of June 2025. Spend-based waiver is based on card anniversary year for both.
🖋️ Reviewed by Tausif Shaikh · Source: Updatepedia.com
Wondering how cashback gets credited with SBI Cashback Credit Card or Axis Bank ACE Credit Card? Here’s a fact-checked, step-by-step breakdown of how your rewards are automatically applied — no manual redemption needed.
📚 Compare more automatic cashback credit cards →
✅ Fact Check: Cashback redemption details are verified from official product pages of SBI Card and Axis Bank ACE as of June 2025.
🖋️ Reviewed by Tausif Shaikh · Source: Updatepedia.com
This tool helps you calculate how long it’ll take to recover the annual card fee using monthly cashback. SBI Cashback charges ₹999 (waived at ₹2L spend); ACE charges ₹499 (waived at ₹2L). Results depend on your actual online shopping and bill payment patterns.
Enter your monthly spending below to estimate breakeven timeline. This is ideal for smart spenders trying to pick the better cashback card in real life.
Verified info from official sources:
SBI Cashback Card and
Axis ACE Card.
SBI Cashback: --
Axis ACE: --
✅ Pro Tip: SBI Cashback is better if your online spend is broad (Amazon, AJIO, Nykaa), while ACE works best if you use GPay for bill payments.
📌 Reviewed by Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
The SBI Cashback Card is ideal for online shoppers with a decent credit history and basic KYC. The Axis ACE Card is slightly more selective, often favoring salaried individuals with a credit bureau footprint. Both cards support fully digital applications with paperless documentation.
Below is a simple breakdown of who can apply, what documents are required, and how the approval process works for each card. We’ve also included voice-style questions to answer common real-world user queries.
📌 Apply through the official SBI Cashback application portal or via the SBI Card app.
📌 Apply at the Axis ACE official portal or use the Axis Bank Mobile app for quick e-KYC.
✅ Fact Check: Eligibility info verified from SBI Card and Axis Bank websites as of June 2025. | ✍️ Written & Reviewed by Tausif Shaikh
Choose SBI Cashback if your online shopping includes Amazon, AJIO, and Nykaa — with flat 5% rewards. Go for Axis Bank ACE if most of your monthly spending happens via Google Pay — especially for utility bills. Want the best of both? Use SBI for broad online spends and ACE for bills.
Still confused between the SBI Cashback Credit Card and the Axis Bank ACE Credit Card? Here’s a side-by-side verdict based on your daily spending habits and lifestyle needs:
| Spending Type | Recommended Card | Why? |
|---|---|---|
| 🛒 Amazon / AJIO / Nykaa / Online Shopping | SBI Cashback ✅ | Flat 5% cashback on eligible online merchants (with exclusions) |
| 📱 Bill Payments via Google Pay | Axis ACE ✅ | 5% cashback on electricity, gas, DTH paid via GPay |
| 💰 Offline / POS / Wallet / Fuel Spends | Neither ❌ | Both cards exclude wallet loads, fuel, rent from cashback |
| 🧾 Moderate Spenders (< ₹2L/year) | Axis ACE ✅ | Lower annual fee of ₹499 vs SBI’s ₹999 — both waived at ₹2L/year |
📌 Pro Tip: Use SBI Cashback for general online shopping sites and ACE for regular monthly payments like bills and recharges. This combo gives you the best ROI across categories.
✅ Fact Check: Cashback conditions, exclusions, and fees verified from SBI Card and Axis Bank websites as of June 2025. | ✍️ Written & Reviewed by Tausif Shaikh
This user uses SBI Cashback for general online shopping platforms like Amazon, AJIO, and Nykaa — benefiting from flat 5% cashback. For utility bill payments like electricity, broadband, and DTH, Axis ACE via Google Pay proves more effective. Neither card supports cashback on rent, wallet loads, or fuel, so using them together maximizes total rewards.
“I use the SBI Cashback Card for Amazon and Ajio — 5% cashback is super helpful and auto-credited. But when I pay my gas, internet, and mobile bills, I always switch to the ACE card via GPay. It’s a simple 2-card setup that gives me more cashback than any one card alone.”
— Ravi K., Verified Dual Card User | 🗓️ Reviewed May 2025
📌 This cashback strategy works best for users who split their spends between online shopping and utility payments. Consider where you spend the most before applying.
✅ Fact Check: Cashback exclusions, eligible merchants, and app compatibility confirmed from SBI Card and Axis Bank websites as of June 2025. | ✍️ Written & Reviewed by Tausif Shaikh
The SBI Cashback Card is great for heavy online shoppers (Amazon, AJIO, Myntra), offering 5% flat cashback on eligible merchants. The Axis ACE Card is better for users who pay utility bills and recharges via Google Pay. Neither supports rent, fuel, or wallet cashback — but used together, they offer strong value across everyday categories.
Here’s a comparison of key benefits and drawbacks to help you decide based on your spending style:
| Feature | SBI Cashback Credit Card | Axis Bank ACE Credit Card |
|---|---|---|
| ✅ Pros |
|
|
| ❌ Cons |
|
|
✅ Fact Check: Cashback categories, exclusions, and annual fee rules verified from SBI Card and Axis Bank websites as of June 2025. | ✍️ Written & Reviewed by Tausif Shaikh
🟡 TL;DR: Opt for the SBI Cashback Credit Card if you shop frequently on Amazon, AJIO, or Nykaa — it gives 5% flat cashback on eligible online platforms. Choose the Axis Bank ACE Credit Card if you make regular utility bill payments via Google Pay, and want reliable 5% cashback on essentials like DTH, gas, electricity.
💡 Pro Tip: Combine both cards for maximum value. Use SBI Cashback for broad ecommerce sites and ACE Credit Card for recurring GPay-based utility spends.
🧑💼 Reviewed by Tausif Shaikh | 📅 Updated: June 2025
✅ Fact Check: Cashback categories, exclusions, fee waivers, and eligibility confirmed from SBI Card and Axis Bank official sources.
Need a quick way to decide between the SBI Cashback Credit Card and Axis Bank ACE Credit Card? This downloadable PDF includes a clean comparison of cashback rates, annual fees, bill payment perks, UPI compatibility, and an expert verdict — updated for June 2025. Great for offline reference or sharing with friends!
By downloading, you agree to our affiliate disclosure. This document is created for informational use only and does not substitute financial advice. Please verify with the issuing banks for any last-minute changes.
✅ Fact Check: Cashback rates, UPI support, and waiver details are sourced from official SBI Card & Axis Bank websites as of June 2025.
👤 Reviewed by: Tausif Shaikh · Updated June 2025 · Source: Updatepedia.com
Here’s a quick way to decide:
📌 Disclaimer: These are affiliate links. We may earn a small commission if you apply — at no extra cost to you. It helps us keep publishing unbiased financial guides.
✅ Fact Check: Cashback rates, UPI support, and bill payment offers verified from SBI Card & Axis Bank official sites as of June 2025.
👤 Reviewed by Tausif Shaikh · Source: Updatepedia · Updated June 2025
It depends on your spending habits. Use SBI Cashback for flat 5% rewards on Amazon, Myntra, and online stores. Use Axis ACE for 5% on electricity, gas, DTH, and water bills via Google Pay.
❌ No, SBI Cashback is Visa-based and does not support UPI linking. You can’t use it on Google Pay or PhonePe for QR payments.
✅ Yes. Axis ACE gives 5% cashback on bill payments made through Google Pay, including broadband, electricity, and postpaid bills. Rent and wallet reloads are excluded.
Absolutely. SBI Cashback gives flat 5% cashback on eligible online spends — including Amazon, AJIO, Myntra, and others. Exclusions: EMIs, rent, fuel, and wallets.
✅ Yes. Many users carry both: SBI Cashback for online shopping, and ACE for utility payments via GPay — a powerful combo to maximize rewards.
If you’re spending below ₹2L, Axis ACE is more cost-effective (₹499 fee). However, if your spending is mostly online, SBI Cashback’s higher reward rate can still offset its ₹999 fee.
❌ No cashback is given on wallet reloads (like Paytm or Amazon Pay) or rent payments on both cards. These are part of the standard exclusion list.
SBI Cashback gives 5% on Swiggy and Zomato if paid directly. Axis ACE gives only 2% on food delivery. Verdict: SBI wins for food delivery cashback.
No redemption steps needed. Both cards offer automatic cashback to your monthly statement. It reflects in the next billing cycle — no reward points or manual redemption.
📅 Verified: June 2025 |
🔍 Fact Check: All information verified from official SBI Card and Axis Bank T&Cs, FAQs, and product brochures as of June 2025.
👤 Reviewed by Tausif Shaikh · Source: Updatepedia · Updated June 2025
Still not confident about choosing between the SBI Cashback and Axis ACE Credit Cards?
Here are three expert-picked alternatives based on real-world spending behaviors — whether you’re paying electricity bills, shopping on Amazon, or want cashback from food & fashion apps.
| Credit Card | Why It’s a Great Alternative |
|---|---|
| Axis Bank ACE Credit Card | ✅ 5% cashback on bill payments via Google Pay ✅ Ideal for utility-heavy households & digital-first users |
| Amazon Pay ICICI Credit Card | ✅ Lifetime free card with 5% cashback for Amazon Prime users ✅ Perfect for Amazon loyalists & Pay Later spenders |
| HDFC Millennia Credit Card | ✅ 5% cashback on Amazon, Swiggy, Flipkart, and Zomato ✅ Sleek, metal-like design popular with Gen Z and working professionals |
💡 Tip: Combine Axis ACE for bill payments and Amazon Pay ICICI for Amazon shopping to create a zero-fee, high-reward combo.
✅ Fact Check: All features and cashback categories verified from Axis Bank, ICICI Bank, and HDFC Bank official websites as of June 2025.
👤 Reviewed by Tausif Shaikh · Source: Updatepedia · Updated June 2025
Still unsure between SBI Cashback and Axis ACE Credit Cards? Dive deeper into their features, fees, cashback categories, and ideal usage combinations below:
✅ Fact Check: All internal articles are reviewed by the Updatepedia editorial team and updated for accuracy as of June 2025.
Tausif Shaikh is the Founder of Updatepedia.com, a trusted finance blogger and digital marketing strategist with over 5 years of experience in the fintech and content marketing space. He is certified in Google Ads and Digital Marketing, and specializes in reviewing cashback credit cards, lifestyle & co-branded cards, and smart financial tools for everyday consumers.
Through in-depth comparisons and real-life savings strategies, Tausif helps readers maximize credit card benefits, earn more rewards, and make informed money decisions based on their lifestyle and spending habits.
Follow Tausif for practical financial insights, unbiased reviews, and money-saving tips that actually work.
Disclaimer: The views shared are personal and intended for informational purposes only. Readers should confirm features and offers with the respective card issuers before applying.
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