HDFC Swiggy Credit Card vs Axis ACE Credit Card: Which Is Better in 2026?
It depends on your needs
HDFC Swiggy wins specifically for Swiggy orders with 10% cashback. Axis ACE is more versatile with 5% on Google Pay bills and 4% on both Swiggy AND Zomato. ACE is better all-around.
Quick Comparison
| Feature | HDFC Swiggy Credit Card | Axis ACE Credit Card |
|---|---|---|
| Point Value | Cashback value varies | 5% cashback on bill payments (Google Pay) |
| Expiry Period | No fixed expiry on cashback | Not applicable (direct cashback) |
| Redemption Options | 4 options | 1 options |
| Bank | HDFC Bank | Axis Bank |
HDFC Swiggy Credit Card — Key Strengths
10% cashback on Swiggy food, Instamart, Dineout & Genie. 5% on other online shopping. 1% on offline spends. Cashback credited to Swiggy Money wallet
- ✓Best value when used on Swiggy platforms (10% cashback)
- ✓Stack with Swiggy promotions for additional discounts
- ✓Cashback rounded to nearest rupee
Axis ACE Credit Card — Key Strengths
5% cashback on bill payments via Google Pay (up to ₹750/month), 4% on Swiggy/Zomato, 2% on other spends. Annual fee ₹499, waiver on ₹2 lakh spend.
- ✓5% on Google Pay bill payments is market-leading
- ✓4% on food delivery (Swiggy/Zomato) is excellent
- ✓Pay all utility bills via Google Pay for maximum cashback
Our Verdict
HDFC Swiggy wins specifically for Swiggy orders with 10% cashback. Axis ACE is more versatile with 5% on Google Pay bills and 4% on both Swiggy AND Zomato. ACE is better all-around.
Frequently Asked Questions
Is HDFC Swiggy Credit Card or Axis ACE Credit Card better in 2026?
HDFC Swiggy wins specifically for Swiggy orders with 10% cashback. Axis ACE is more versatile with 5% on Google Pay bills and 4% on both Swiggy AND Zomato. ACE is better all-around.
Which card has better point value: HDFC Swiggy Credit Card or Axis ACE Credit Card?
HDFC Swiggy Credit Card offers Cashback value varies. Axis ACE Credit Card offers 5% cashback on bill payments (Google Pay). The better value depends on your redemption method.
Which card has longer point expiry?
HDFC Swiggy Credit Card: No fixed expiry on cashback. Axis ACE Credit Card: Not applicable (direct cashback). Choose the card with the expiry policy that suits your spending pattern.
Can I have both HDFC Swiggy Credit Card and Axis ACE Credit Card?
Yes, you can hold both cards simultaneously. Many rewards enthusiasts hold multiple cards to maximize earnings across different spending categories.