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Comparison · हिन्दी

Swiggy HDFC vs Axis ACE

Both cards compared on real rupee returns for food delivery, dining and everyday cashback. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
HDFC
SWIGGY
ASHOK KUMAR
VS
AXIS
ACE
ASHOK KUMAR
Our verdict
Swiggy HDFC Bank Credit Card wins for most people
Card A wins decisively with ₹10,900 annual benefit versus Card B's ₹2,981. The Swiggy card's 10% cashback on dining and Instamart shopping aligns perfectly with your spend profile, delivering 3.7x more value despite similar fees.
Side-by-side comparison
Swiggy HDFC Bank Credit Card ✓ Axis ACE Credit Card
Annual benefit ₹10,900 ₹2,981
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹2,00,000/year spend) ₹499 + taxes (waived on ₹2L annual spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 10% cashback on all Swiggy spends (food, Instamart, Dineout); 5% on select online merchants; 1% on others 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None 4 domestic visits/year (on ₹50,000/quarter spend)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2.5% 3.5%
Best for Frequent Swiggy and Instamart users Utility bill payments and everyday flat cashback
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹15,000/month (salaried) ₹3L+ per year
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
Swiggy HDFC Bank Credit Card
Choose Card A if you regularly use Swiggy for food delivery or Instamart grocery shopping. The 10% cashback on these categories directly matches your ₹5,000 monthly dining and ₹3,000 shopping spend, maximizing returns.
Axis ACE Credit Card
Card B suits you only if you pay significant utility bills via Google Pay, which isn't part of your current spend. Otherwise, its flat 1.5% cashback on general purchases significantly underperforms Card A's targeted rewards.
Who should get which card
Get Swiggy HDFC Bank if you…
· Heavy Swiggy and Instamart users seeking maximum cashback
· Monthly spend of ₹8,000+ on food delivery and groceries
· Value-conscious shoppers wanting 10% returns on dining
Get Axis ACE if you…
· Customers with high monthly utility bill payments
· Those preferring flat-rate cashback across categories
· Individuals not using Swiggy or online shopping platforms
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 Millennia vs Axis ACE →Axis ACE vs SBI Cashback →IDFC FIRST Wealth vs Axis ACE →Airtel Axis Bank 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, Swiggy HDFC Bank Credit Card offers better annual returns for most spend profiles.
Swiggy HDFC Bank Credit Card has an annual fee of ₹500 + taxes (waived on ₹2,00,000/year spend). Axis ACE Credit Card has an annual fee of ₹499 + taxes (waived on ₹2L annual spend).
Swiggy HDFC Bank Credit Card offers 10% cashback on all Swiggy spends (food, Instamart, Dineout); 5% on select online merchants; 1% on others. Axis ACE Credit Card offers 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends.
Swiggy HDFC Bank Credit Card lounge access: None. Axis ACE Credit Card lounge access: 4 domestic visits/year (on ₹50,000/quarter spend).
Swiggy HDFC Bank Credit Card charges 2.5% forex markup. Axis ACE Credit Card charges 3.5% forex markup.