Axis Bank Ace vs HSBC Smart Value
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Axis Bank
Ace
HSBC
Smart Value
| Detail | Axis Bank Ace | HSBC Smart Value |
|---|---|---|
| Annual fee | ₹499 | ₹0 |
| Joining fee | ₹499 | ₹0 |
| Income requirement | Rs.3L+ per annum | 4 LPA |
| utilities rewards | 5% | 5% |
| shopping rewards | 4% | - |
| dining rewards | 4%, 4% | - |
| all rewards | 2% | - |
| groceries rewards | - | 5% |
| Lounge access | - | - |
| Benefits | Google Pay Cashback, Fuel Surcharge Waiver, Air Accident Cover | Cashback, Fuel Surcharge Waiver |
Verdict
HSBC Smart Value ranks above Axis Bank Ace for utility bills (5.0% effective reward rate vs 5.0% effective reward rate; annual fee ₹0 vs annual fee ₹499). The score nets the annual fee against rewards, so the better pick depends on how much you spend.
Frequently asked questions
- Which has the lower annual fee, Axis Bank Ace or HSBC Smart Value?
- Axis Bank Ace charges ₹499 and HSBC Smart Value charges ₹0 per year.
- Which card has the higher reward rate?
- Axis Bank Ace peaks at about 5.0% and HSBC Smart Value at about 5.0% effective rewards.
- Which card offers more lounge access?
- Axis Bank Ace lists 0 lounge program(s); HSBC Smart Value lists 0.
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