Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Select 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 Select Credit Card

7.8/10
Annual Fee₹3,000
Base Rewards0.2%
NetworkVisa
View Full Details

HDFC Bank

Swiggy HDFC Bank Credit Card

8.5/10
Annual Fee₹500
Base Rewards1%
NetworkMastercard
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Select Credit CardSwiggy HDFC Bank Credit Card
Annual Fee₹3,000₹500
Joining Fee₹3,000₹500
Fee Waiver Spend₹8,00,000₹2,00,000
Base Reward Rate0.2%1%
Reward CurrencyEDGE Reward PointsCashback
NetworkVisaMastercard
Editor Rating7.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Select Credit Card

  • 0% on Retail Shopping

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 Select Credit Card

Pros

  • 10,000 EDGE points (₹2,000 value) as a welcome benefit on first transaction.
  • Significant monthly savings with Swiggy (₹400) and BigBasket (₹500) discounts.
  • Complimentary Priority Pass with 6 international lounge visits annually.
  • 2X rewards on retail shopping up to ₹20,000 monthly spend.

Cons

  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Low reward redemption value (₹0.20 per point) compared to premium peers.
  • High annual fee waiver threshold of ₹8 Lakhs.

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 Select Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Select Credit Card if

Strong benefits on Swiggy, BigBasket, and BookMyShow combined with golf access.

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 Select 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 Select 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 Select Credit Card and Swiggy HDFC Bank Credit Card?
Axis Bank Select Credit Card has an annual fee of ₹3,000, while Swiggy HDFC Bank Credit Card has an annual fee of ₹500. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend. Swiggy HDFC Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Select Credit Card or Swiggy HDFC Bank Credit Card?
Axis Bank Select Credit Card offers a base reward rate of 0.2% with accelerated rewards on Retail Shopping. 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 Select Credit Card and Swiggy HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Select 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 Select Credit Card or Swiggy HDFC Bank Credit Card?
For beginners, Swiggy HDFC Bank Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Axis Bank Select Credit Card vs ICICI Bank Sapphiro Credit CardSwiggy HDFC Bank Credit Card vs ICICI Bank Sapphiro Credit CardAxis Bank Select Credit Card vs SBI Card PRIMESwiggy HDFC Bank Credit Card vs SBI Card PRIMEAxis Bank Select Credit Card vs Amazon Pay ICICI Bank Credit CardSwiggy HDFC Bank Credit Card vs Amazon Pay ICICI Bank Credit CardAxis Bank Select Credit Card vs Axis Bank - Flipkart Axis Bank Credit CardSwiggy HDFC Bank Credit Card vs Axis Bank - Flipkart Axis Bank Credit Card

Explore More

Axis Bank Select Credit Card Full ReviewSwiggy HDFC Bank Credit Card Full ReviewAll Axis Bank CardsAll HDFC Bank CardsBrowse All Credit CardsCredit Card Guides & Tips