Axis Bank ACE Credit Card Vs. HDFC Bank Swiggy Credit Card

Axis Bank ACE Credit Card

Axis Bank ACE Credit Card

HDFC Bank Swiggy Credit Card

HDFC Bank Swiggy Credit Card

Comparison of Axis Bank ACE Credit Card and HDFC Bank Swiggy Credit Card

Feature	Axis Bank ACE Credit Card	HDFC Bank Swiggy Credit Card
Annual Fee	₹499 + GST (~₹589)	₹500 + GST
Joining Fee	₹499 + GST (~₹589)	₹500 + GST
Welcome Benefits	Joining fee of ₹499 + GST will be reversed on spends of ₹10,000 within 45 days of card issuance	Get a complimentary Swiggy One membership for 3 months upon card activation, offering unlimited free deliveries and exclusive discounts.
Interest Rate (APR)	3.75% per month (55.55% annually)	N/A
Foreign Currency Markup	3.5% + GST	N/A
Key Highlights	•Cashback on Bill Payments •Food & Travel Rewards •Base Cashback Rate •Complimentary Lounge Access •Fuel Surcharge Waiver •Interest-Free Period	•Swiggy Cashback •Online Cashback •Welcome Benefit •Low Annual Fee •Additional Rewards
Dos	Use Google Pay for all utility bill payments to maximise the 5% cashback benefit Pay your credit card bill in full before the due date to avoid interest charges Track your monthly cashback earnings to optimise spending before reaching the cashback cap Link the card with the Axis Bank mobile app to receive instant transaction alerts Convert high-value purchases into EMIs to manage cash flow better	Use the card for all Swiggy transactions to maximise 10% cashback Pay the full outstanding amount before the due date to avoid interest charges Activate and utilise the complimentary Swiggy One membership for maximum savings Link the card with the Swiggy app to access benefits and track usage Utilise the card for eligible online purchases to earn 5% cashback
Don'ts	Don't exceed your credit limit, as it attracts over-limit penalty charges Don't use the card for cash advances due to high fees and immediate interest Don't miss even the minimum payment—late payment charges can go up to ₹1,200 Don't expect cashback on excluded categories such as fuel, wallet loads, EMI, and rent Don't ignore transaction alerts, as they help in preventing fraud	Avoid making transactions below ₹100 on Swiggy as they won't earn cashback Do not miss the minimum payment to maintain a good credit score Ignore the cashback caps; plan monthly spends to stay within limits Use the card for excluded categories like fuel, rent, or wallet loads expecting cashback Make purchases on Swiggy Money Wallet, Swiggy Minis, or Swiggy Liquor expecting 10% cashback

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