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Side-by-Side Comparison|Updated March 2026

Pharmeasy HDFC Bank Credit Card vs Axis Bank ACE Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

Pharmeasy HDFC Bank Credit Card

6.8/10
Annual Fee₹500
Base Rewards0.04%
NetworkVisa
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Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeaturePharmeasy HDFC Bank Credit CardAxis Bank ACE Credit Card
Annual Fee₹500₹499
Joining Fee₹500₹499
Fee Waiver Spend₹70,000₹2,00,000
Base Reward Rate0.04%1%
Reward CurrencyReward PointsCashback
NetworkVisaVisa
Editor Rating6.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Pharmeasy HDFC Bank Credit Card

  • 0% on Pharmeasy — 3000 pts/month

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

Pharmeasy HDFC Bank Credit Card

Pros

  • 5% cashback on Pharmeasy spends including medicines and healthcare products
  • Complimentary 6-month Pharmeasy Plus membership worth ₹999
  • Up to 50% discount on diagnostic tests and health check-ups
  • Low annual fee waiver threshold of ₹70,000 per year

Cons

  • No airport lounge access benefits
  • Low base reward rate of 1 point per ₹150 spent
  • Monthly reward point cap of 3,000 points on partner spends

Axis Bank ACE Credit Card

Pros

  • 5% cashback on utility bills and recharges via Google Pay (Android only)
  • 4% cashback on Swiggy, Zomato, and Ola with no individual merchant capping
  • Flat 1.5% uncapped cashback on all other eligible spends
  • Complimentary domestic lounge access (4 visits per year)

Cons

  • Combined monthly capping of ₹500 on 5% and 4% cashback categories
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months
  • 5% utility cashback is restricted to Google Pay on Android devices

Our Verdict

Axis Bank ACE Credit Card edges ahead overall with a stronger combination of rewards and value. However, Pharmeasy HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Pharmeasy HDFC Bank Credit Card if

High 5% value back on regular medicine and diagnostic requirements via Pharmeasy.

Choose Axis Bank ACE Credit Card if

Highest cashback rate in the market for electricity, gas, and internet bills via GPay.

Frequently Asked Questions

Which is better: Pharmeasy HDFC Bank Credit Card or Axis Bank ACE Credit Card?
Axis Bank ACE Credit Card edges ahead overall with a stronger combination of rewards and value. However, Pharmeasy HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Pharmeasy HDFC Bank Credit Card and Axis Bank ACE Credit Card?
Pharmeasy HDFC Bank Credit Card has an annual fee of ₹500, while Axis Bank ACE Credit Card has an annual fee of ₹499. Pharmeasy HDFC Bank Credit Card offers a fee waiver on ₹70,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Pharmeasy HDFC Bank Credit Card or Axis Bank ACE Credit Card?
Pharmeasy HDFC Bank Credit Card offers a base reward rate of 0.04% with accelerated rewards on Pharmeasy. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Pharmeasy HDFC Bank Credit Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Pharmeasy HDFC Bank Credit Card and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Pharmeasy HDFC Bank Credit Card or Axis Bank ACE Credit Card?
For beginners, Axis Bank ACE Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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