Which card has a lower annual fee: Axis Bank ACE Credit Card or HDFC Bank PIXEL Go Credit Card?

Annual fee outcome: HDFC Bank PIXEL Go Credit Card wins.

Which card offers better lounge access?

Domestic lounge outcome: insufficient data to compare.

Which card has the stronger rewards outcome?

Rewards outcome: Axis Bank ACE Credit Card wins.

AXIS ACE vs HDFC PIXEL Go

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.

ACE

PIXEL Go

The short answer

Pick ACE for rewards.

Pick PIXEL Go for a lower fee.

PIXEL Go costs ₹249 less a year.

Head-to-head

Annual fee Annual fee outcome: PIXEL Go wins.

ACE ₹499 Waivable at ₹2,00,000 spend

PIXEL Go ₹250 Waivable at ₹50,000 spend

PIXEL Go saves ₹249/yr
Forex markup Forex markup outcome: tie.

ACE 3.5%

PIXEL Go 3.5%
Domestic lounge Domestic lounge outcome: insufficient data to compare.

ACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar months

PIXEL Go No complimentary lounge access
Rewards Rewards outcome: ACE wins.

ACE ~1.5%

PIXEL Go ~1%

conservative base value

Reward earning explained

ACE

1.5% · Up to 5% on Google Pay

Strong data

PIXEL Go

1% · Up to 5% on Selected categories

Strong data

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.

All fields

Differences only

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

HDFC Bank PIXEL Go

Verify with issuer