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Side-by-Side Comparison|Updated March 2026

Axis Bank Burgundy Private - The One Card vs Swiggy HDFC Bank Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Burgundy Private - The One Card

9.5/10
Annual FeeFree
Base Rewards0.30000000000000004%
NetworkVisa
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HDFC Bank

Swiggy HDFC Bank Credit Card

8.5/10
Annual Fee₹500
Base Rewards1%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureAxis Bank Burgundy Private - The One CardSwiggy HDFC Bank Credit Card
Annual FeeFree₹500
Joining FeeFree₹500
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate0.30000000000000004%1%
Reward CurrencyEDGE Reward PointsCashback
NetworkVisaMastercard
Editor Rating9.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Burgundy Private - The One Card

No accelerated rewards listed

Swiggy HDFC Bank Credit Card

  • 0% on Swiggy (Food, Instamart, Di... — 1500 pts/month
  • 0% on Online Spends (Select MCCs) — 1500 pts/month

Pros & Cons

Axis Bank Burgundy Private - The One Card

Pros

  • Zero forex markup and zero cash withdrawal charges globally
  • Unlimited domestic and international lounge access for primary and add-on members
  • 12 complimentary guest visits per year for airport lounges
  • Complimentary premium hotel memberships: Club Marriott, Accor Plus, and Taj Epicure

Cons

  • Extremely high eligibility barrier requiring ₹5 Crore TRV
  • Reward points excluded on fuel, utilities, government, and gold spends
  • Welcome bonus of 30,000 points discontinued as of April 2024

Swiggy HDFC Bank Credit Card

Pros

  • 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) capped at ₹1,500/month
  • 5% cashback on online shopping across major platforms like Amazon, Flipkart, and Myntra
  • Complimentary 3-month Swiggy One membership as a welcome benefit
  • Cashback is directly credited to the credit card statement

Cons

  • No complimentary airport lounge access
  • Monthly cashback capping of ₹1,500 on Swiggy and ₹1,500 on online spends
  • Excludes cashback on fuel, rent, EMI, and jewelry transactions

Our Verdict

Axis Bank Burgundy Private - The One Card edges ahead overall with a stronger combination of rewards and value. However, Swiggy HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Burgundy Private - The One Card if

Best-in-class lifestyle and travel benefits with zero transaction fees and high-value hotel memberships.

Choose Swiggy HDFC Bank Credit Card if

High 10% cashback on food delivery and groceries via Instamart makes it the best card for the Swiggy ecosystem.

Frequently Asked Questions

Which is better: Axis Bank Burgundy Private - The One Card or Swiggy HDFC Bank Credit Card?
Axis Bank Burgundy Private - The One Card edges ahead overall with a stronger combination of rewards and value. However, Swiggy HDFC Bank Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Burgundy Private - The One Card and Swiggy HDFC Bank Credit Card?
Axis Bank Burgundy Private - The One Card has no annual fee, while Swiggy HDFC Bank Credit Card has an annual fee of ₹500. Swiggy HDFC Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Burgundy Private - The One Card or Swiggy HDFC Bank Credit Card?
Axis Bank Burgundy Private - The One Card offers a base reward rate of 0.30000000000000004%. Swiggy HDFC Bank Credit Card offers 1% base rewards with bonuses on Swiggy (Food, Instamart, Di... and Online Spends (Select MCCs). The better choice depends on your primary spending categories.
Can I have both Axis Bank Burgundy Private - The One Card and Swiggy HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Burgundy Private - The One Card and Swiggy HDFC Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Burgundy Private - The One Card or Swiggy HDFC Bank Credit Card?
For beginners, Axis Bank Burgundy Private - The One Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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