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| Feature | Axis Bank Axis Bank ACE Credit Card | HDFC Bank Swiggy HDFC Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | HDFC Bank |
| Network | Visa | Mastercard |
| Annual fee | ₹499 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹2,00,000 annual spending |
| Base reward rate | 1.5% | 1% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Combined 5% and 4% cashback: ₹500/statement cycle | 10% Swiggy cashback: ₹1,500/statement cycle · 5% eligible online cashback: ₹1,500/statement cycle · 1% other eligible cashback: ₹500/statement cycle |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | Not published |
| Monthly income requirement | Approx. ₹25,000/month | Approx. ₹15,000/month salaried · ₹50,000/month self-employed |
| Terms verified | 14 Sept 2026 | 14 Sept 2026 |
| Best suited to | Android / Google Pay users with regular household bill payments and food delivery. | Frequent food delivery and quick-commerce grocery orderers. |
| Main trade-off | The 5% Google Pay and 4% Swiggy/Zomato/Ola buckets share one ₹500 statement-cycle cap. Fuel itself earns no cashback; only the eligible surcharge waiver may apply. | Minimum transaction values are ₹249 for the 10% Swiggy bucket and ₹100 for the 5% and 1% buckets. Merchant MCC and exclusion rules still apply. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
