Axis Bank Ace Visa Signature Credit Card vs Bank Of Baroda Premier Visa Credit Card: Which is Better in 2026?
vs
In short: Axis Ace has the lower annual fee (₹499 vs ₹1,000); Axis Ace includes 4 airport lounge visits a year, BOB Premier 1 airport lounge visit a quarter; both charge a 3.5% forex markup.
| Key facts | Axis Ace | BOB Premier |
|---|---|---|
| Annual fee | ₹499 | ₹1,000 |
| Joining fee | ₹499 | ₹1,000 |
| Annual fee waived | On ₹2 lakh annual spend | On ₹1.2 lakh annual spend |
| Lounge access | 4 airport lounge visits a year | 1 airport lounge visit a quarter |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Axis Bank Ace Visa Signature Credit Card and the Bank Of Baroda Premier Visa Credit Card both offer Visa network benefits with a focus on rewards and travel perks, but they differ in fee structure, rewards program, and lounge access. Axis Bank Ace has a lower joining and renewal fee with an annual fee waiver on higher spends, while Bank Of Baroda Premier charges a higher fee but offers accelerated reward points and a welcome benefit. Both cards charge 3.5% forex markup and provide complimentary domestic lounge access, though with different frequencies.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Axis Bank Ace Visa Signature Credit Card | Bank Of Baroda Premier Visa Credit Card |
|---|---|---|
| Bank | Axis Bank | Bank Of Baroda |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.499 | Joining Fee of Rs.1000 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.499 | Annual Fee of Rs.1000 |
| Annual fee waiver | Spend Rs.2 Lakhs For Annual Fee Waiver | Spend Rs.120000 For Annual Fee Waiver |
| Reward rate (headline) | — | Earn 2 Reward Point per Rs.100 |
| Lounge — domestic | Enjoy 4 Complimentary Lounge Per Calendar Year | 1 Complimentary Airport Lounge Access Per Quarter |
| Welcome benefit | — | Earn 500 Reward points As Welcome Benefit on the Spends of Rs.5000 |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Bank Of Baroda Premier Visa Credit Card is better suited for rewards enthusiasts due to its structured reward points program, including 2 points per Rs.100 spent, 5X points on travel and dining, and a welcome bonus of 500 points on spending Rs.5000. In contrast, the Axis Bank Ace Visa Signature Credit Card does not explicitly offer reward points or welcome benefits, focusing instead on cashback redemption without a detailed rewards accrual system. Therefore, for users prioritizing rewards, Bank Of Baroda Premier provides more tangible value.
Which is better for travel?
Both cards offer domestic airport lounge access, with Axis Bank Ace providing 4 complimentary lounge visits per calendar year and Bank Of Baroda Premier offering 1 complimentary lounge access per quarter, effectively 4 per year as well. Neither card offers international lounge access. Both cards have the same forex markup fee of 3.5%, which is standard but relatively high for foreign currency transactions. Overall, their travel benefits are comparable, making this a tie for travel-focused users.
Which has lower effective cost?
Axis Bank Ace Visa Signature Credit Card has a lower joining and renewal fee of Rs.499 compared to Rs.1000 for the Bank Of Baroda Premier Visa Credit Card. The fee waiver threshold is also higher for Axis Bank Ace at Rs.2 Lakhs versus Rs.1.2 Lakhs for Bank Of Baroda Premier. Additionally, Axis Bank Ace waives card replacement charges and has lower cash processing fees. Considering these factors, Axis Bank Ace is more cost-effective, especially for users who can meet the higher spend requirement for fee waiver.
Reward Points Program
Bank Of Baroda Premier Visa Credit Card offers a detailed reward points program including 5X points on travel and dining and 2 points per Rs.100 on other spends, plus a welcome bonus. Axis Bank Ace Visa Signature Credit Card lacks a structured points program and focuses on cashback redemption instead.
Fee Waiver Thresholds
Axis Bank Ace requires a higher annual spend of Rs.2 Lakhs to waive the annual fee, whereas Bank Of Baroda Premier requires Rs.1.2 Lakhs. This difference may influence cost-effectiveness depending on the cardholder's spending habits.
Lounge Access Frequency
Both cards provide 4 complimentary domestic lounge visits annually, but Bank Of Baroda Premier offers these as 1 per quarter, while Axis Bank Ace grants 4 per calendar year. Neither card provides international lounge access.
Who should pick Axis Bank Ace Visa Signature Credit Card?
Consider Axis Bank Ace Visa Signature Credit Card if you prefer a lower annual fee with a straightforward cashback redemption option and value multiple complimentary domestic lounge accesses. It is suitable for users who can meet the higher spend requirement for fee waiver and want to minimize card replacement and cash processing fees. This card is also a good choice for beginners or those looking for a simpler fee structure.
Who should pick Bank Of Baroda Premier Visa Credit Card?
Consider Bank Of Baroda Premier Visa Credit Card if you want a credit card that offers accelerated reward points on travel and dining, along with a welcome bonus to kickstart your rewards earnings. It is ideal for users who prioritize earning and redeeming reward points and are comfortable with a higher annual fee that can be waived with moderate spend. This card suits those who want a more rewarding experience on everyday and travel spends.
Frequently Asked Questions
Axis Bank Ace Visa Signature Credit Card charges Rs.499 for joining and renewal, while Bank Of Baroda Premier Visa Credit Card charges Rs.1000 for both.
Yes, Axis Bank Ace waives the annual fee on spending Rs.2 Lakhs, and Bank Of Baroda Premier waives it on spending Rs.1.2 Lakhs.
Both cards charge a 3.5% markup fee on foreign currency transactions.
Both cards offer 4 complimentary domestic lounge visits per year; Axis Bank Ace provides them per calendar year, and Bank Of Baroda Premier offers 1 per quarter.
Bank Of Baroda Premier Visa Credit Card has a more comprehensive rewards program with accelerated points on travel and dining and a welcome bonus, unlike Axis Bank Ace which focuses on cashback redemption without a points accrual system.
Yes, Axis Bank Ace Visa Signature Credit Card waives card replacement charges, whereas Bank Of Baroda Premier charges Rs.100 for card replacement.