Which card has a lower forex fee: Axis Bank ACE Credit Card or HDFC UPI RuPay Credit Card?

Both cards have the same forex markup (3.5%).

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

HDFC UPI RuPay Credit Card has a lower annual fee (₹99 vs ₹499).

Which card offers better lounge access?

Axis Bank ACE Credit Card: 4/year domestic lounge. HDFC UPI RuPay Credit Card: No domestic lounge.

Which card has a higher base reward rate?

Axis Bank ACE Credit Card has higher base reward value (~1.5% vs ~0.25%).

Axis Bank ACE vs HDFC Bank UPI RuPay Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank ACE and the HDFC Bank UPI RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.

Lounge → Axis Bank ACE Axis Bank ACE is stronger here. Domestic lounge access is 4/year.

Low fee → HDFC Bank UPI RuPay HDFC Bank UPI RuPay is stronger here. HDFC Bank UPI RuPay has a lower annual fee (₹99 vs ₹499).

upi → HDFC Bank UPI RuPay HDFC Bank UPI RuPay is stronger here. Supports UPI via RuPay network.

Quick comparison

Feature	ACE	UPI RuPay
Annual fee	₹499 Waivable at ₹2,00,000 spend	₹99 Waivable at ₹25,000 spend
Forex fee	3.5%	3.5%
Domestic lounge	4/year	No lounge access

Fees: UPI RuPay wins

Confidence: High

Forex: Tie

Confidence: High

Lounge: ACE wins

Confidence: High

ACE 5% on Bill payments + 1.5% on General spend Strong data

UPI RuPay 3% on Dining grocery supermarket + 1% on General spend Strong data

Pick based on what matters

Start with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs HDFC Bank UPI RuPay: ₹99), forex markup (3.5% vs 3.5%), or lounge access (4/year vs No lounge access).

Both cards are similar for forex Strong data vs Strong data Forex markup is 3.5%.
Axis Bank ACE is better for lounge access Strong data vs Strong data Axis Bank ACE is stronger here. Domestic lounge access is 4/year.
Insufficient data to compare rewards Strong data vs Strong data Only Axis Bank ACE has comparable evidence here. Estimated base reward value is ~1.5% on base spend.
HDFC Bank UPI RuPay is better for fees Strong data vs Strong data HDFC Bank UPI RuPay is stronger here. HDFC Bank UPI RuPay has a lower annual fee (₹99 vs ₹499).
HDFC Bank UPI RuPay is better for UPI usage HDFC Bank UPI RuPay is stronger here. Supports UPI via RuPay network.

Explore: Axis Bank ACE card page · HDFC Bank UPI RuPay card page · best credit cards in India

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

ACE: ~₹750/month at base rate
UPI RuPay: ~₹130/month at base rate

ACE shows higher base earn at this spend

Illustrative only, using current base rates before caps.

	ACE Axis Bank	UPI RuPay HDFC Bank
Lounge Access
Domestic lounge visits 4/year vs No lounge access	4/year	No lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹499 vs ₹99	₹499	₹99
Joining fee ₹499 vs ₹99	₹499	₹99
Fee waiver spend ₹2,00,000 vs ₹25,000	₹2,00,000	₹25,000
Rewards
Points per ₹100 1.5 pts vs 1 pts	1.5 pts	1 pts
Point cash value ₹1 vs ₹0.25	₹1	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Axis Bank ACE vs HDFC Bank UPI RuPay Credit Cards – Fees, Lounge, Forex

Quick comparison

Pick based on what matters

Related comparisons

Example usage at this monthly spend

Notes