ACE Credit Card vs IndianOil HDFC Bank Credit Card
Axis Bank · HDFC Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹499
Max Reward5%
HDFC BankScoreVery Good
Annual Fee₹500
Max Reward5%
ACE Credit Card leads overall with a CardCheck Score of 79/100 (+5 pts over IndianOil HDFC Bank Credit Card).
4-Pillar Head-to-Head Breakdown
ACE vs IndianOilReward Power
35%ACE34/35
IndianOil34/35
Tie (34/35)
Fee Value & ROI
25%ACE22/25
IndianOil24/25
IndianOil Wins
Lounge & Travel
20%ACE11/20
IndianOil4/20
ACE Wins
Forex & Access
20%ACE12/20
IndianOil12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 74
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 22/25
- 24/25
- Lounge & Travel (20%)
- 11/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- HDFC Bank
- Network
- Visa
- RuPay
- Card type
- Regular
- Co-branded
- Best for
- Cashback on utility bills via Google Pay and daily spending
- IndianOil fuel buyers — maximum savings at IOCL pumps
03—Fees
- Joining fee
- ₹499Best
- ₹500
- Annual fee
- ₹499Best
- ₹500
- Fee waiver
- ₹2,00,000
- ₹50,000Best
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 55.55%
- 42%Best
- APR (max)
- 55.55%
- 42%Best
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1.5%Best
- 0.64%
- Max rate
- 5%
- 5%
- Points / ₹100
- —
- 0.67
- Point value
- —
- ₹0.96
- Monthly cap
- —
- ₹450
06—Travel & Lounge
- Domestic lounge / qtr
- 1Best
- 0
- Lounge spend criteria
- ₹50,000 spend in the previous 3 calendar months.
- —
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹25,000
- ₹12,000
- Invite only
Rows won
05of 08
03of 08
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 74 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 22/25 | 24/25 |
| Lounge & Travel (20%) | 11/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | HDFC Bank |
| Network | Visa | RuPay |
| Card type | Regular | Co-branded |
| Best for | Cashback on utility bills via Google Pay and daily spending | IndianOil fuel buyers — maximum savings at IOCL pumps |
03—Fees Differences highlighted | ||
| Joining fee | ₹499Best | ₹500 |
| Annual fee | ₹499Best | ₹500 |
| Fee waiver | ₹2,00,000 | ₹50,000Best |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 55.55% | 42%Best |
| APR (max) | 55.55% | 42%Best |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1.5%Best | 0.64% |
| Max rate | 5% | 5% |
| Points / ₹100 | — | 0.67 |
| Point value | — | ₹0.96 |
| Monthly cap | — | ₹450 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1Best | 0 |
| Lounge spend criteria | ₹50,000 spend in the previous 3 calendar months. | — |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹25,000 | ₹12,000 |
| Invite only | ||
| Rows won | 05of 08 | 03of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ACE Credit Card | IndianOil HDFC Bank Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 74/100Very Good |
| Annual Fee | ₹499 | ₹500 |
| Fee Waiver Spend | ₹2L/yr | ₹50,000/yr |
| Max Reward Potential | 5% | 5% |
| Domestic Lounge Access | 1 / quarter | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose ACE Credit Card if:
Your spending centers around cashback on utility bills via google pay and daily spending and you want direct partner rewards with Axis Bank.
Choose IndianOil HDFC Bank Credit Card if:
Your spending aligns with indianoil fuel buyers — maximum savings at iocl pumps and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: ACE Credit Card vs IndianOil HDFC Bank Credit Card
- Which is better: ACE Credit Card or IndianOil HDFC Bank Credit Card?
- ACE Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 74/100 (Very Good) for IndianOil HDFC Bank Credit Card (a lead of +5 points). ACE Credit Card gains its scoring lead primarily through lounge & travel privileges (11 vs 4) while tying on reward potential and forex & terms.
- How do annual fees and fee waiver spend rules compare?
- ACE Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, IndianOil HDFC Bank Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹50,000.
- How do the reward rates and cashback compare between ACE Credit Card and IndianOil HDFC Bank Credit Card?
- ACE Credit Card offers a base reward rate of 1.5% and up to 5% on accelerated partner categories. Meanwhile, IndianOil HDFC Bank Credit Card offers a base rate of 0.64% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: ACE Credit Card or IndianOil HDFC Bank Credit Card?
- ACE Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) (₹50,000 spend in the previous 3 calendar months.). On the other hand, IndianOil HDFC Bank Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- ACE Credit Card levies a foreign currency markup fee of 3.5%, while IndianOil HDFC Bank Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).