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Axis Ace vs HDFC TimesPrime

Compare Axis Ace vs HDFC TimesPrime across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC TimesPrime leads on reward rate, while Axis Ace has the lowest annual fee.

Card 1

Axis Ace

Monthly spenders who want visible cashback without chasing complex reward conversions.6.8

Card 2

HDFC TimesPrime

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.5.3
Axis Ace
Balanced value6.8

axis / VISA

Axis Ace

Annual

₹499

Return

5%

Lounges

4

Forex

3.5%

Card summary
  • Axis Ace leans cashback-first with ₹499 annual fee, 5% headline return potential, and 4 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹499 annual fee.
  • 5% cashback keeps value easy to understand.
  • 4 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
HDFC TimesPrime - HDFC credit card
Balanced value5.3

hdfc / VISA

HDFC TimesPrime

Annual

₹1,500

Return

3%

Lounges

4

Forex

3.5%

Card summary
  • HDFC TimesPrime leans reward-led with ₹1,500 annual fee, 3% headline return potential, and 4 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,500 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 4 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
Axis Ace
HDFC TimesPrime
Fees
Annual fee
₹499
₹1,500
Joining fee
₹499
₹1,500
Rewards
Cashback rate
5%
1.5%
Reward rate
1%
3%
Travel
Forex markup
3.5%
3.5%
Domestic lounges
4
4
International lounges
0
0
Benefits
Fuel waiver
Yes
Yes
Dining
No
Yes
Movies
No
Yes
Eligibility
Minimum income
₹4,00,000
₹5,00,000

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