Axis ACE vs Swiggy HDFC Bank
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Axis ACE Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.1/10 vs 8.0/10.
| Feature | Axis ACE | Swiggy HDFC Bank |
|---|---|---|
| CardTrail Score | 8.1/10 | 8.0/10 |
| Annual Fee | ₹499 | ₹500 |
| Base Reward Rate | 1.5% | 1% |
| Max Reward Rate | 5% | 10% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 4 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | No |
| Network | Visa Signature | Mastercard |
When to Choose Axis ACE
- You can meet the fee waiver condition: Spend ₹2L/year
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: cashback, bill-payments, beginner
When to Choose Swiggy HDFC Bank
- You can meet the fee waiver condition: Rs. 2 Lakh annual spends
- You want higher rewards — up to 10% vs 5%
- Your primary spend is: food-delivery, swiggy, cashback
Annual Fee Value Analysis
To break even on Axis ACE's ₹499 fee at 1.5% rewards, spend ₹2,772/month.
To break even on Swiggy HDFC Bank's ₹500 fee at 1% rewards, spend ₹4,167/month.