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HDFC Bank · Axis Bank
Swiggy vs Ace
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
45composite score
82% rule confidence
82% rule confidence
Winner
49composite score
95% rule confidence
95% rule confidence
Annual fee
₹500
₹499
Network
Mastercard
Visa
Base reward rate
1%
1.5%
Min. income (monthly)
₹35,000
₹25,000
Min. credit score
700+
700+
Best for
Food delivery
Food delivery
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Ace edges out for most wallets.
- Better base rate, 1.5% vs 1% on everything outside a bonus bucket.
- Lighter annual fee, ₹499 vs ₹500.
- Easier to qualify, ₹25,000/mo income gets you in versus ₹35,000/mo.
Composite score
Swiggy45
Ace49
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
Pick the right one for every purchase, automatically.
Tapwise watches caps, exclusions, and stacked offers in real time, and tells you which card to swipe before you tap.