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Axis Bank ACE Credit Card vs HDFC MoneyBack+ Credit Card

Honest side-by-side comparison of Axis Bank ACE Credit Card, HDFC MoneyBack+ Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Axis Bank ACE Credit Card

Axis Bank

HDFC MoneyBack+ Credit Card

HDFC Bank

Your adjusted comparison

Feature
Axis Bank ACE Credit Card

Axis Bank ACE Credit Card

Axis Bank

HDFC MoneyBack+ Credit Card

HDFC MoneyBack+ Credit Card

HDFC Bank

Fees & eligibility
Annual fee₹499₹500
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹20,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹5,475/yr₹130/yr
Online shopping—₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached
Dining & delivery₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹500/mo—
Utilities & bills₹1,925.00 × 5% = ₹96.25/mo (₹1,155/yr) · issuer max ₹500/mo—
Top reward rate5%10X points
Primary reward cap₹500 rewards/mo cap₹2,500 eligible spend/mo
Perks & restrictions
Lounge access4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Non-GPay utilities · EMI · Rent · Wallet loadEMI · Fuel · Rent
Bonuses
Signup bonus—₹500

Stack mode (hold both)

Cap-aware split: ~₹5,830/yr combined NAV (₹355 vs best solo). Both annual fees apply.

Axis Bank ACE Credit Card details →HDFC MoneyBack+ Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis Bank ACE Credit Card leads HDFC MoneyBack+ Credit Card by about ₹5,345/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Axis Bank ACE Credit Card vs HDFC MoneyBack+ Credit Card comparison table
FeatureAxis Bank ACE Credit Card

Axis Bank

HDFC MoneyBack+ Credit Card

HDFC Bank

Fees & eligibility
Annual fee₹499₹500
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹20,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹5,475/yr₹130/yr
Online shopping—₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached
Dining & delivery₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹500/mo—
Utilities & bills₹1,925.00 × 5% = ₹96.25/mo (₹1,155/yr) · issuer max ₹500/mo—
Top reward rate5%10X points
Primary reward cap₹500 rewards/mo cap₹2,500 eligible spend/mo
Perks & restrictions
Lounge access4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsFuel · Non-GPay utilities · EMI · Rent · Wallet loadEMI · Fuel · Rent
Bonuses
Signup bonus—₹500

Frequently asked questions

Which card has the lower annual fee?
Axis Bank ACE Credit Card has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
Axis Bank ACE Credit Card leads with an estimated ₹5,475/yr net annual value on moderate spend.
Which card has the lower income requirement?
Axis Bank ACE Credit Card lists a minimum monthly income of ₹20,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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