Axis Bank ACE Credit Card
Rs 499Annual fee
Rs 2,00,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- Complimentary domestic lounge access is subject to a spend threshold of Rs 50,000 in the previous three calendar months (effective 1st May 2024). Spend criteria is waived for the month of card issuance and the next three months.
3.5%Forex markup
Best for
cashback, utility bills, food delivery, ola, everyday spends
Top rewards
Utility bill payments and recharges on Google Pay: 5% cashback; Swiggy, Zomato, and Ola: 4% cashback; Other eligible spends: 1.5% cashback
Swiggy HDFC Bank BLCK Credit Card
Rs 1,000Annual fee
0Domestic lounge
3.5%Forex markup
Best for
swiggy, food delivery, online shopping, cashback
Top rewards
Swiggy App transactions (Food delivery, Instamart, Dineout, Genie): 10% Cashback; Select online categories and merchants (Amazon, Flipkart, Myntra, Nykaa, Ola, Uber, etc.): 5% Cashback; Other eligible retail spends: 1% Cashback
| Feature | Axis Bank ACE Credit Card | Swiggy HDFC Bank BLCK Credit Card |
|---|---|---|
| Issuer | Axis Bank | HDFC Bank |
| Network | Visa | Mastercard |
| Joining fee | Rs 499 | Rs 1,000 |
| Annual fee | Rs 499 | Rs 1,000 |
| Fee waiver spend | Rs 2,00,000 | - |
| Reward type | cashback | cashback |
| Best for | cashback, utility bills, food delivery, ola, everyday spends | swiggy, food delivery, online shopping, cashback |
| Top reward categories | Utility bill payments and recharges on Google Pay: 5% cashback; Swiggy, Zomato, and Ola: 4% cashback; Other eligible spends: 1.5% cashback | Swiggy App transactions (Food delivery, Instamart, Dineout, Genie): 10% Cashback; Select online categories and merchants (Amazon, Flipkart, Myntra, Nykaa, Ola, Uber, etc.): 5% Cashback; Other eligible retail spends: 1% Cashback |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 4 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | fuel spends, rental payments, wallet loading transactions, insurance premium payments, educational services, government services | Fuel transactions, Rent payments, EMI transactions (including post-facto EMI conversions), Government-related transactions, Jewellery purchases, Prepaid card, gift card, and wallet loads |