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Side-by-Side Comparison|Updated March 2026

Axis Bank Freecharge Plus Credit 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 Freecharge Plus Credit Card

6.5/10
Annual Fee₹350
Base Rewards1%
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 Freecharge Plus Credit CardSwiggy HDFC Bank Credit Card
Annual Fee₹350₹500
Joining Fee₹350₹500
Fee Waiver Spend₹50,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencyCashbackCashback
NetworkVisaMastercard
Editor Rating6.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Freecharge Plus Credit 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 Freecharge Plus Credit Card

Pros

  • 5% cashback on all bill payments and recharges made via the Freecharge app
  • 2% cashback on local commutes including Ola and Uber rides
  • Low annual fee of ₹350 with a reachable waiver threshold of ₹50,000
  • Direct statement credit of cashback, eliminating the need for manual redemption

Cons

  • Monthly cashback is capped at a relatively low limit of ₹150
  • No cashback on utility payments made outside the Freecharge platform
  • Lacks travel benefits like airport lounge access or fuel surcharge waivers

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

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

Choose Axis Bank Freecharge Plus Credit Card if

Maximizes value on monthly utility bills and mobile recharges through the 5% cashback rate.

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 Freecharge Plus Credit Card or Swiggy HDFC Bank Credit Card?
Swiggy HDFC Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Freecharge Plus 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 Freecharge Plus Credit Card and Swiggy HDFC Bank Credit Card?
Axis Bank Freecharge Plus Credit Card has an annual fee of ₹350, while Swiggy HDFC Bank Credit Card has an annual fee of ₹500. Axis Bank Freecharge Plus Credit Card offers a fee waiver on ₹50,000 annual spend. Swiggy HDFC Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Freecharge Plus Credit Card or Swiggy HDFC Bank Credit Card?
Axis Bank Freecharge Plus Credit Card offers a base reward rate of 1%. 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 Freecharge Plus Credit Card and Swiggy HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Freecharge Plus Credit 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 Freecharge Plus Credit Card or Swiggy HDFC Bank Credit Card?
For beginners, Axis Bank Freecharge Plus Credit Card may be more approachable with a lower annual fee of ₹350. However, evaluate based on your expected spending pattern rather than fee alone.

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