vs
In short: Axis Ace has the lower annual fee (₹499 vs ₹500); both charge a 3.5% forex markup.
| Key facts | Axis Ace | HDFC Swiggy |
|---|---|---|
| Annual fee | ₹499 | ₹500 |
| Joining fee | ₹499 | ₹500 |
| Annual fee waived | On ₹2 lakh annual spend | On ₹2 lakh annual spend |
| Top reward rate | 5% Cashback on Bill Payments Through Google Pay | 10% Cashback on Swiggy Applications |
| Base rewards | 1.5% Cashback on Other Eligible Merchants | 1% Cashback on All Other Spends |
| Lounge access | 4 airport lounge visits a year | Not listed |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 9 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Swiggy returns about ₹2,099 more a year after annual fees (₹7,800 vs ₹5,700 in rewards).
| Spend profile | Axis Ace | HDFC Swiggy |
|---|---|---|
| Reward value: top rate / base rate | 5% / 1.5% | 10% / 1% |
| ₹20,000 a month, all general spends | ₹3,600 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹5,700 | ₹7,800 |
| Annual fee | ₹499 | ₹500 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Axis Bank Ace Visa Signature Credit Card and the Swiggy Hdfc Bank Credit Card both offer cashback rewards with similar annual fees and fee waiver thresholds. Axis Bank Ace focuses on cashback for bill payments via Google Pay and popular services like Ola and food delivery apps, while the Swiggy Hdfc Bank Credit Card provides higher cashback on Swiggy and a broad range of online categories. Both cards charge a 3.5% forex markup and have no listed lounge access benefits.
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 | Swiggy Hdfc Bank Credit Card |
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.499 | Joining Fee of Rs. 500 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.499 | Renewal Fee of Rs.500 |
| Annual fee waiver | Spend Rs.2 Lakhs For Annual Fee Waiver | Spend Rs.200000 For Renewal Fee Waiver |
| Top reward rate | 5% Cashback on Bill Payments Through Google Pay | 10% Cashback on Swiggy Applications |
| Base rate (other spends) | 1.5% Cashback on Other Eligible Merchants | 1% Cashback on All Other Spends |
| Lounge — domestic | Enjoy 4 Complimentary Lounge Per Calendar Year | — |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | — |
| Welcome benefit | — | Complimentary Swiggy One Membership |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
When it comes to rewards, the Swiggy Hdfc Bank Credit Card offers a higher top cashback rate of 10% on Swiggy applications compared to Axis Bank Ace's 5% on bill payments through Google Pay. The base cashback rate is 1% for Swiggy Hdfc Bank and 1.5% for Axis Bank Ace. At Rs.20,000 monthly spend, Swiggy Hdfc Bank yields about Rs.7,800 annually in rewards, outperforming Axis Bank Ace's Rs.5,700. Additionally, Swiggy Hdfc Bank rewards extend across many online categories including apparel, electronics, and entertainment, making it more versatile for online shoppers.
Neither card offers international or domestic lounge access according to our data. Both cards charge a 3.5% forex markup on foreign currency transactions, which is standard among many credit cards. Axis Bank Ace provides 4 complimentary domestic lounge visits per year, while Swiggy Hdfc Bank does not list any lounge benefits. For users seeking travel-related perks, Axis Bank Ace’s limited domestic lounge access might be a slight advantage, but overall both cards have modest travel benefits.
Both cards have a joining fee and renewal fee of approximately Rs.499-500, with an annual fee waiver on spending Rs.2 lakhs. Axis Bank Ace waives the fee after Rs.2 lakhs spend, and Swiggy Hdfc Bank has the same waiver threshold. Axis Bank Ace offers no card replacement fees and waives several other charges like charge slip retrieval and outstation cheque fees, while Swiggy Hdfc Bank charges Rs.199 for card replacement. Cash advance fees are similar at 2.5% for both cards. Overall, the effective cost is comparable, with Axis Bank Ace having a slight edge in fee waivers and no card replacement charges.
Axis Bank Ace Visa Signature Credit Card targets users who prefer cashback on bill payments and popular ride and food delivery services, with a top rate of 5%. In contrast, Swiggy Hdfc Bank Credit Card emphasizes online shopping categories and Swiggy usage, offering a higher 10% cashback on Swiggy and 5% on various online spends, making it more versatile for digital consumers.
Swiggy Hdfc Bank Credit Card includes a complimentary Swiggy One membership for 3 months, enhancing value for food delivery users. It also offers golf coaching and complimentary rounds of golf, which are not available with Axis Bank Ace. Axis Bank Ace does not list any welcome or milestone benefits in our data.
Consider Axis Bank Ace Visa Signature Credit Card if you frequently pay bills through Google Pay, use Ola or popular food delivery apps like Swiggy and Zomato, and value a straightforward cashback structure with 4 complimentary domestic lounge visits annually. It is also suitable if you prefer a card with no card replacement fees and a slightly higher base cashback rate of 1.5%.
Consider Swiggy Hdfc Bank Credit Card if you are a regular Swiggy user and want the highest cashback of 10% on Swiggy orders. This card is also ideal for online shoppers who spend on apparel, electronics, entertainment, and other categories where it offers 5% cashback. The complimentary Swiggy One membership adds value for frequent users of the platform, and the card also provides golf-related benefits not listed for Axis Bank Ace.
Both Axis Bank Ace Visa Signature and Swiggy Hdfc Bank Credit Cards have a joining and renewal fee around Rs.499-500, which is waived on spending Rs.2 lakhs annually.
Swiggy Hdfc Bank Credit Card offers a higher top cashback rate of 10% on Swiggy orders and 5% on various online spends, while Axis Bank Ace provides 5% cashback on bill payments via Google Pay and 4% on Ola, Swiggy, and Zomato.
Axis Bank Ace offers 4 complimentary domestic lounge visits per calendar year. Swiggy Hdfc Bank Credit Card does not list any lounge access benefits in our data.
Both cards charge a 3.5% markup on foreign currency transactions.
Swiggy Hdfc Bank Credit Card offers a complimentary Swiggy One membership for 3 months. Axis Bank Ace does not list any welcome benefits in our data.
Axis Bank Ace Visa Signature Credit Card has no card replacement charges, whereas Swiggy Hdfc Bank Credit Card charges Rs.199 for reissue of lost, stolen, or damaged cards.