1.5% · Up to 5% on Google Pay
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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.
The short answer
VerdictPick Swyp for lounge access.
Head-to-head
Three core metrics- Annual fee ACE ₹499 Waivable at ₹2,00,000 spendSwyp ₹499 Annual-fee waiver not offered
- Forex markup ACE 3.5%Swyp 3.5%
- Domestic lounge Swyp: +12 lounge visits/yrACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar monthsSwyp 16/year railway
Reward earning explained
Per cardPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs IDFC FIRST Bank Swyp: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year vs 16/year railway).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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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.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank ACE conservative base value ~1.5% per ₹100. IDFC FIRST Bank Swyp has no conservative base value for comparison.
All fields
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.
| Field | ACE Axis Bank | Swyp IDFC FIRST Bank |
|---|---|---|
| Insurance — Lost card liability cover Only available for IDFC FIRST Swyp | Not specified | ₹25,000 |
| Insurance — Underwriter Only available for IDFC FIRST Swyp | Not specified | Insured by New India Assurance |
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year vs 16/year railway | 4/year | 16/year railway |
| International lounge visits | No international lounge access | No international lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee | ₹499 | ₹499 |
| Annual-fee waiver ₹2,00,000 vs Not offered | ₹2,00,000 | Not offered |
| Interest-free period Up to 50 days vs Up to 45 days | Up to 50 days | Up to 45 days |
| Monthly interest rate Only available for ACE | 3.75% / month | Not specified |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap vs 1% surcharge waiver · ₹200–₹5,000 transactions · ₹200/month waiver cap | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap | 1% surcharge waiver · ₹200–₹5,000 transactions · ₹200/month waiver cap |
| Rewards | ||
| Base cashback Only available for ACE | 1.5% | Not specified |
| Earn ceiling ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) vs Not stated | ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) | Not stated |
| 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
- 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 siteIDFC FIRST Bank Swyp
Verify with issuer , opens external site