1.5% · Up to 5% on Google Pay
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AXIS ACE vs IDFC FIRST Swyp
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
Pick Swyp for spending abroad.
Head-to-head
- Annual fee Annual fee outcome: tie. ACE ₹499 Waivable at ₹2,00,000 spendSwyp ₹499 Annual-fee waiver not offered
- Forex markup Forex markup outcome: Swyp wins. Swyp saves ~₹3,500 per ₹1L abroadACE 3.5%Swyp 0%
- 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 monthsSwyp No airport lounge access
- Rewards Rewards outcome: insufficient data to compare. conservative base valueACE ~1.5%Swyp Not specified
Reward earning explained
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.
All fields
| Field | ACE Axis Bank | Swyp IDFC FIRST Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year vs No airport lounge access | 4/year | No airport lounge access |
| Railway lounge visits Only available for IDFC FIRST Swyp | Not specified | 16 railway lounge visits per year (max 4/quarter) |
| International lounge visits | No international lounge access | No international lounge access |
| Forex / International Use | ||
| Forex markup 3.5% vs 0% | 3.5% | 0% |
| 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 |
| 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 |
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