Axis ACE vs HSBC Cashback Card
Side-by-side credit card comparison to help you choose the best one.
Axis ACE
Why this card wins: Bill Payments — 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato
| Feature | ||
|---|---|---|
| Bank | Axis Bank | HSBC India |
| Card Type | Cashback | Cashback |
| Annual Fee | Lifetime Free | ₹750 + GST |
| Joining Fee | Nil | ₹750 + GST |
| Rewards | 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato | 1.5% unlimited cashback on all spends |
| Best For | Bill Payments | Pure Cashback |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | None | ₹750 cashback on first ₹7,500 spend |
| Min Income | ₹15,000/month | ₹25,000/month |
| Lounge Access | None | 2 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.6 | 4.4 |
| Contactless | ||
| EMI Conversion |
Key Features
Axis ACE
Bill Payments
Visa • Cashback
- No annual fee ever
- 5% cashback on utility bills via Google Pay
- 2% cashback on Swiggy, Zomato
- 1% cashback on all other spends
HSBC Cashback Card
Pure Cashback
Visa • Cashback
- No merchant category restrictions
- Cashback auto-credited to statement
- Global acceptance — accepted in 200+ countries
- Fee waiver on ₹1L annual spend
Verdict
Based on rating and overall value, Axis ACE ranks highest among your selected cards. It excels at Bill Payments and offers 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato.
Frequently asked questions
Which is better: Axis ACE or HSBC Cashback Card?
Axis ACE has the higher CardKhoj rating (4.6/5) and is best for bill payments. HSBC Cashback Card is the better fit if your priority is pure cashback. The right choice depends on where you spend most.
Which has the lower annual fee: Axis ACE and HSBC Cashback Card?
Axis ACE is cheaper to hold at Lifetime Free, compared with ₹750 + GST for HSBC Cashback Card.
Do Axis ACE and HSBC Cashback Card offer airport lounge access?
Axis ACE: no complimentary lounge access. HSBC Cashback Card: 2 domestic per year.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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