Axis ACE vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis ACE wins 8-0. Bill payments + utilities + fuel, set-and-forget cashback Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | Axis ACE | Kotak White |
|---|---|---|
| Annual fee | ₹499 | · ₹3,000 |
| Joining fee | ₹499 | · ₹3,000 |
| Top reward rate | 4% (fuel) | · Milestone |
| Base reward rate | 1.5% | · Milestone |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Up to ₹2,000 cashback on first 60-day spends | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | ₹200,000 / yr | · ₹500,000 / yr |
| Min income | ₹360,000 | · ₹2,500,000 |
| Min credit score | 750 | · N/A |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
Axis ACE
- 5% cashback on Google Pay bill payments (electricity, gas, broadband, mobile, DTH)
- 4% cashback on Swiggy, Zomato, Ola
- 2% cashback on every other transaction
- 4 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›Axis ACE vs Kotak White: which is better?
Axis ACE wins on more dimensions (8 vs 0). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Axis ACE for its best categories, Kotak White for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis ACE: Up to ₹2,000 cashback on first 60-day spends. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.