ACE Credit Card vs Swiggy HDFC Bank Credit Card
Axis Bank · HDFC Bank — side-by-side CardCheck comparison
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 Reward10%
ACE Credit Card leads overall with a CardCheck Score of 79/100 (+6 pts over Swiggy HDFC Bank Credit Card).
4-Pillar Head-to-Head Breakdown
ACE vs SwiggyReward Power
35%ACE34/35
Swiggy35/35
Swiggy Wins
Fee Value & ROI
25%ACE22/25
Swiggy22/25
Tie (22/25)
Lounge & Travel
20%ACE11/20
Swiggy4/20
ACE Wins
Forex & Access
20%ACE12/20
Swiggy12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 79Best
- 73
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 22/25
- 22/25
- Lounge & Travel (20%)
- 11/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- HDFC Bank
- Network
- Visa
- Visa
- Card type
- Regular
- Co-branded
- Best for
- Cashback on utility bills via Google Pay and daily spending
- Swiggy app users — 10% cashback on food, Instamart & eligible Swiggy spends
03—Fees
- Joining fee
- ₹499Best
- ₹500
- Annual fee
- ₹499Best
- ₹500
- Fee waiver
- ₹2,00,000
- ₹2,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 52.86%
- 42%Best
- APR (max)
- 52.86%
- 42%Best
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1.5%Best
- 1%
- Max rate
- 5%
- 10%Best
- Monthly cap
- —
- ₹1,500
06—Travel & Lounge
- Domestic lounge / qtr
- 1Best
- 0
- Intl lounge / year
- 0
- 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 age
- 18
- 21
- Min income / month
- ₹15,000
- ₹25,000
- Min CIBIL
- 750
- 700Best
- Invite only
Rows won
05of 09
04of 09
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79Best | 73 |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 22/25 | 22/25 |
| 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 | Visa |
| Card type | Regular | Co-branded |
| Best for | Cashback on utility bills via Google Pay and daily spending | Swiggy app users — 10% cashback on food, Instamart & eligible Swiggy spends |
03—Fees Differences highlighted | ||
| Joining fee | ₹499Best | ₹500 |
| Annual fee | ₹499Best | ₹500 |
| Fee waiver | ₹2,00,000 | ₹2,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | 42%Best |
| APR (max) | 52.86% | 42%Best |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1.5%Best | 1% |
| Max rate | 5% | 10%Best |
| Monthly cap | — | ₹1,500 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1Best | 0 |
| Intl lounge / year | 0 | 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 age | 18 | 21 |
| Min income / month | ₹15,000 | ₹25,000 |
| Min CIBIL | 750 | 700Best |
| Invite only | ||
| Rows won | 05of 09 | 04of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ACE Credit Card | Swiggy HDFC Bank Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 73/100Very Good |
| Annual Fee | ₹499 | ₹500 |
| Fee Waiver Spend | ₹2L/yr | ₹2L/yr |
| Max Reward Potential | 5% | 10% |
| 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 Swiggy HDFC Bank Credit Card if:
Your spending aligns with swiggy app users — 10% cashback on food, instamart & eligible swiggy spends and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: ACE Credit Card vs Swiggy HDFC Bank Credit Card
- Which is better: ACE Credit Card or Swiggy HDFC Bank Credit Card?
- ACE Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 73/100 (Very Good) for Swiggy HDFC Bank Credit Card (a lead of +6 points). ACE Credit Card provides better net value across rewards and fee structures.
- 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, Swiggy HDFC Bank Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between ACE Credit Card and Swiggy HDFC Bank Credit Card?
- ACE Credit Card offers a base reward rate of 1.5% and up to 5% on accelerated partner categories. Meanwhile, Swiggy HDFC Bank Credit Card offers a base rate of 1% and up to 10% 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 Swiggy HDFC Bank Credit Card?
- ACE Credit Card provides 1 domestic lounge visit(s) per quarter. On the other hand, Swiggy HDFC Bank Credit Card provides no complimentary domestic lounge access. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- ACE Credit Card levies a foreign currency markup fee of 3.5%, while Swiggy 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).