Head-to-head · 🇮🇳 India
Axis ACE vs HDFC Swiggy
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Axis Bank
Axis ACE
VISA
Wins 3 of 10
IN
HDFC Bank
HDFC Swiggy
Wins 2 of 10
Verdict
Axis ACE wins 3-2. Bill payments + utilities + fuel — set-and-forget cashback HDFC Swiggy is still the right call if heavy swiggy/instamart users — 10% on the platform tops anything else..
Side-by-side
| Criterion | Axis ACE | HDFC Swiggy |
|---|---|---|
| Annual fee | ₹499 | · ₹500 |
| Joining fee | ₹499 | · ₹500 |
| Top reward rate | · 4% (fuel) | 10% (dining) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Up to ₹2,000 cashback on first 60-day spends | = 3-month Swiggy One membership (₹1,499 value) |
| Fee waiver threshold | = ₹200,000 / yr | = ₹200,000 / yr |
| Min income | = ₹360,000 | = ₹360,000 |
| Min credit score | · 750 | 740 |
| Editorial rating | = 4.5/5 | = 4.5/5 |
Benefits compared
Axis ACE
- 5% cashback on Google Pay bill payments (electricity, gas, broadband, mobile, DTH)
- 4% cashback on Swiggy, Zomato, Ola
- 2% cashback on every other transaction
- 4 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver
HDFC Swiggy
- 10% cashback on Swiggy (food, Instamart, Genie, Dineout)
- 5% cashback on online MCC merchants (Amazon, Flipkart, Myntra)
- 1% cashback on other spends
- Cashback auto-credited as Swiggy Money
- 1% fuel surcharge waiver
FAQ
›Axis ACE vs HDFC Swiggy: which is better?
Axis ACE wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Axis ACE for its best categories, HDFC Swiggy for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis ACE: Up to ₹2,000 cashback on first 60-day spends. HDFC Swiggy: 3-month Swiggy One membership (₹1,499 value).