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 per year domestic lounge. HDFC UPI RuPay Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

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 upi HDFC Bank UPI RuPay

Quick comparison

Three core metrics

ACE Axis Bank

Annual fee ₹499 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar months

UPI RuPay HDFC Bank

Annual fee ₹99 Waivable at ₹25,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

ACE

5% on Google Pay (domestic) (Utility bill payments and recharges must be comple…

UPI RuPay

3% on Dining Grocery Supermarket (domestic) + 1% on General spend

Pick based on what matters

3 dimensions

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 complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
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.
upi HDFC Bank UPI RuPay wins

HDFC Bank UPI RuPay is better for UPI usage

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

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

ACE: ~₹750/month at base rate
UPI RuPay: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	ACE Axis Bank	UPI RuPay HDFC Bank
Lounge Access
Domestic lounge visits 4/year vs No complimentary lounge access	4/year	No complimentary 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
Base cashback 1.5% vs 1%	1.5%	1%
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 UPI RuPay	Not specified	2 years

Notes

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