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Side-by-Side Comparison|Updated March 2026

Swiggy 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

Swiggy HDFC Bank Credit Card

8.5/10
Annual Fee₹500
Base Rewards1%
NetworkMastercard
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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

FeatureSwiggy HDFC Bank Credit CardAxis Bank ACE Credit Card
Annual Fee₹500₹499
Joining Fee₹500₹499
Fee Waiver Spend₹2,00,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencyCashbackCashback
NetworkMastercardVisa
Editor Rating8.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Swiggy HDFC Bank Credit Card

  • 0% on Swiggy (Food, Instamart, Di... — 1500 pts/month
  • 0% on Online Spends (Select MCCs) — 1500 pts/month

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

Swiggy HDFC Bank Credit Card

Pros

  • 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) capped at ₹1,500/month
  • 5% cashback on online shopping across major platforms like Amazon, Flipkart, and Myntra
  • Complimentary 3-month Swiggy One membership as a welcome benefit
  • Cashback is directly credited to the credit card statement

Cons

  • No complimentary airport lounge access
  • Monthly cashback capping of ₹1,500 on Swiggy and ₹1,500 on online spends
  • Excludes cashback on fuel, rent, EMI, and jewelry transactions

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

Both Swiggy HDFC Bank Credit Card and Axis Bank ACE Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Swiggy HDFC Bank Credit Card if

High 10% cashback on food delivery and groceries via Instamart makes it the best card for the Swiggy ecosystem.

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: Swiggy HDFC Bank Credit Card or Axis Bank ACE Credit Card?
Both Swiggy HDFC Bank Credit Card and Axis Bank ACE Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Swiggy HDFC Bank Credit Card and Axis Bank ACE Credit Card?
Swiggy HDFC Bank Credit Card has an annual fee of ₹500, while Axis Bank ACE Credit Card has an annual fee of ₹499. Swiggy HDFC Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Swiggy HDFC Bank Credit Card or Axis Bank ACE Credit Card?
Swiggy HDFC Bank Credit Card offers a base reward rate of 1% with accelerated rewards on Swiggy (Food, Instamart, Di... and Online Spends (Select MCCs). Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Swiggy HDFC Bank Credit Card and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Swiggy 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: Swiggy 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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