Which card has a lower forex fee: Axis Bank ACE Credit Card or IDFC FIRST Swyp Credit Card?

IDFC FIRST Swyp Credit Card has lower forex markup (0% vs 3.5%).

Which card has a lower annual fee: Axis Bank ACE Credit Card or IDFC FIRST Swyp Credit Card?

Both cards have the same annual fee (₹499).

Which card offers better lounge access?

Axis Bank ACE Credit Card: 4 per year domestic lounge. IDFC FIRST Swyp Credit Card: 16 railway lounge visits per year (max 4/quarter).

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 IDFC FIRST Bank Swyp Credit Cards – Fees, Lounge, Forex

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

Forex IDFC FIRST Bank Swyp Lounge IDFC FIRST Bank Swyp

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

Swyp IDFC FIRST Bank

Annual fee ₹499
Forex markup 0%
Domestic lounge 16/year railway

Reward earning explained

Per card

ACE

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

Swyp

Base rewards on regular spend

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs IDFC FIRST Bank Swyp: ₹499), forex markup (3.5% vs 0%), or lounge access (4/year vs 16/year railway).

Travel Insufficient data

Insufficient data to compare travel

Only IDFC FIRST Bank Swyp has comparable evidence here. Forex markup is 0%.

ACE: Limited data Swyp: Limited data
Forex markup IDFC FIRST Bank Swyp wins

IDFC FIRST Bank Swyp is better for forex

IDFC FIRST Bank Swyp is stronger here. Forex markup is 0%.
Lounge access IDFC FIRST Bank Swyp wins

IDFC FIRST Bank Swyp is better for lounge access

IDFC FIRST Bank Swyp is stronger here. Domestic lounge access is no airport lounge access.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

ACE: ~₹750/month at base rate
IDFC FIRST Swyp: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	ACE Axis Bank	Swyp IDFC FIRST Bank
Lounge Access
Domestic lounge visits 4/year vs 16/year railway	4/year	16/year railway
Forex / International Use
Forex markup 3.5% vs 0%	3.5%	0%
Fees
Annual fee	₹499	₹499
Joining fee	₹499	₹499
Fee waiver spend Only available for ACE	₹2,00,000	Not specified
Interest-free period Up to 50 days vs Up to 45 days	Up to 50 days	Up to 45 days
Rewards
Points per ₹100 Only available for ACE	1.5%	Not specified
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25	₹1	₹0.25
Point validity Only available for IDFC FIRST Swyp	Not specified	2 years

Notes

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