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Comparison · हिन्दी

Axis ACE vs HDFC MoneyBack+

Both cards compared on real rupee returns for best everyday cashback credit card India Axis ACE vs HDFC MoneyBack. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
AXIS
ACE
ASHOK KUMAR
VS
HDFC
MONEYBACK+
ASHOK KUMAR
Our verdict
Axis ACE Credit Card wins for most people
Card A wins with ₹4,361 annual benefit versus Card B's ₹3,100. Its 5% utility cashback and flat 1.5% on shopping align perfectly with your spend profile, despite the higher fee.
Side-by-side comparison
Axis ACE Credit Card ✓ HDFC MoneyBack+ Credit Card
Annual benefit ₹4,361 ₹3,100
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹2L annual spend) ₹500 + taxes (waived on ₹50,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends 10X CashPoints (2.5%) on Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart; 1% on others
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (on ₹50,000/quarter spend) None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 2.5%
Best for Utility bill payments and everyday flat cashback Online shopping and food delivery on a budget
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year ₹20,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Axis ACE Credit Card
Card A excels when you pay utility bills via Google Pay and spend significantly on shopping and groceries. The 5% utility cashback combined with consistent 1.5% returns on other categories maximizes rewards across your typical monthly spend.
HDFC MoneyBack+ Credit Card
Card B suits you only if you shift to heavy Amazon or Flipkart shopping, or significantly increase Swiggy/BigBasket purchases. Without these high-reward categories dominating your spend, it underperforms despite lower fee waiver threshold.
Who should get which card
Get Axis ACE if you…
· 5% cashback on utility bills via Google Pay—highest category reward
· Flat 1.5% on shopping and groceries covers your largest spend areas
· ₹2L annual spend threshold is achievable with your ₹15K/month budget
Get HDFC MoneyBack+ if you…
· 10X points (2.5%) on Amazon and Flipkart for online shopping
· Lower fee waiver at ₹50K annual spend if you lack volume
· Rewards on BigBasket if you shift grocery buying online
Partner offer
Tata Neu Infinity SBI Card
Heavy Tata ecosystem shoppers wanting NeuCoins across Air India, BigBasket, Croma, Westside and Tanishq, with a genuinely strong 1.5% base rate elsewhere
Apply now →
SBI
ASHOK KUMAR

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Related guides
HDFC MoneyBack+ vs YES Essence →HDFC Millennia vs Axis ACE →Axis ACE vs SBI Cashback →IDFC FIRST Wealth vs Axis ACE →Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, Axis ACE Credit Card offers better annual returns for most spend profiles.
Axis ACE Credit Card has an annual fee of ₹499 + taxes (waived on ₹2L annual spend). HDFC MoneyBack+ Credit Card has an annual fee of ₹500 + taxes (waived on ₹50,000/year spend).
Axis ACE Credit Card offers 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends. HDFC MoneyBack+ Credit Card offers 10X CashPoints (2.5%) on Amazon, Flipkart, Swiggy, BigBasket, Reliance Smart; 1% on others.
Axis ACE Credit Card lounge access: 4 domestic visits/year (on ₹50,000/quarter spend). HDFC MoneyBack+ Credit Card lounge access: None.
Axis ACE Credit Card charges 3.5% forex markup. HDFC MoneyBack+ Credit Card charges 2.5% forex markup.