Swiggy Credit Card
Rs 500Annual fee
Rs 2,00,000Fee waiver spend
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 Merchants (Amazon, Flipkart, Myntra, Nykaa, Ola, Uber, Etc.): 5% Cashback; Other Eligible Retail Spends: 1% Cashback
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 ₹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
| Feature | Swiggy Credit Card | ACE Credit Card |
|---|---|---|
| Issuer | HDFC Bank | Axis Bank |
| Network | Mastercard | Visa |
| Joining fee | Rs 500 | Rs 499 |
| Annual fee | Rs 500 | Rs 499 |
| Fee waiver spend | Rs 2,00,000 | Rs 2,00,000 |
| Reward type | Cashback | Cashback |
| Best for | Swiggy, Food Delivery, Online Shopping, Cashback | Cashback, Utility Bills, Food Delivery, Ola, Everyday Spends |
| Top reward categories | Swiggy App Transactions (Food Delivery, Instamart, Dineout, Genie): 10% Cashback; Select Online Merchants (Amazon, Flipkart, Myntra, Nykaa, Ola, Uber, Etc.): 5% Cashback; Other Eligible Retail Spends: 1% Cashback | Utility Bill Payments And Recharges On Google Pay: 5% cashback; Swiggy, Zomato, And Ola: 4% cashback; Other Eligible Spends: 1.5% cashback |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 4 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Renewal fee waived on spending ₹2,00,000 or more in the preceding anniversary year | Not Listed |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 1 per point |
| Key exclusions | Fuel transactions, Rent payments, Utility bill payments, Insurance premium payments, EMI transactions (including post-facto EMI conversions), Government-related transactions | fuel spends, rental payments, wallet loading transactions, insurance premium payments, educational services, government services |