1.5% · Up to 5% on Google Pay
Strong data Pairwise comparison
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Axis Bank ACE vs HDFC Bank PIXEL Go Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank ACE and the HDFC Bank PIXEL Go. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick ACE for lounge access and rewards.
Head-to-head
Three core metrics- Annual fee PIXEL Go saves ₹249/yrACE ₹499 Waivable at ₹2,00,000 spendPIXEL Go ₹250 Waivable at ₹50,000 spend
- Forex markup ACE 3.5%PIXEL Go 3.5%
- Domestic lounge ACE: +4 lounge visits/yrACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar monthsPIXEL Go No complimentary lounge access
Reward earning explained
Per card1% · Up to 5% on Selected categories
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs HDFC Bank PIXEL Go: ₹250), forex markup (3.5% vs 3.5%), or lounge access (4/year vs No complimentary lounge access).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Axis Bank ACE wins Axis Bank ACE is better for lounge access
Axis Bank ACE is stronger here. Domestic lounge access is 4 per year.
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Rewards Axis Bank ACE wins Axis Bank ACE is better for rewards
Axis Bank ACE is stronger here. Axis Bank ACE conservative base value ~1.5% vs HDFC Bank PIXEL Go's ~1%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- ACE: ~₹750/month at base rate
- PIXEL Go: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
| Field | ACE Axis Bank | PIXEL Go HDFC Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year vs No complimentary lounge access | 4/year | No complimentary lounge access |
| International lounge visits Only available for ACE | No international lounge access | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹499 vs ₹250 | ₹499 | ₹250 |
| Annual-fee waiver ₹2,00,000 vs ₹50,000 | ₹2,00,000 | ₹50,000 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for PIXEL Go | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base cashback 1.5% vs 1% | 1.5% | 1% |
| Earn ceiling ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) vs ₹15,000 per month | ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) | ₹15,000 per month |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for ACE | ₹1 | Not specified |
| Point validity Only available for PIXEL Go | Not specified | 2 years |
Notes
- Axis Bank ACE Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank ACE
Verify with issuer , opens external siteHDFC Bank PIXEL Go
Verify with issuer , opens external site