Swiggy HDFC Bank 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
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
| Feature | Swiggy HDFC Bank Credit Card | Axis Bank 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 Rs 2,00,000 or more in the preceding anniversary year | Not listed |
| Redemption | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 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 |