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Side-by-Side Comparison|Updated March 2026

Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card

6.2/10
Annual Fee₹100
Base Rewards0.04000000000000001%
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HDFC Bank

Swiggy HDFC Bank Credit Card

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

FeatureAxis Bank Titanium Smart Traveler Credit CardSwiggy HDFC Bank Credit Card
Annual Fee₹100₹500
Joining Fee₹250₹500
Fee Waiver Spend₹50,000₹2,00,000
Base Reward Rate0.04000000000000001%1%
Reward CurrencyEDGE Reward PointsCashback
NetworkMastercardMastercard
Editor Rating6.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Titanium Smart Traveler Credit Card

  • 0% on International Spends
  • 0% on Domestic Travel (Hotels, Ai...

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 Titanium Smart Traveler Credit Card

Pros

  • Accelerated 8X EDGE points on international transactions
  • 4X EDGE points on domestic travel bookings including flights and hotels
  • Extremely low annual fee of ₹100, waivable on ₹50,000 annual spend
  • 15% discount at over 4,000 partner restaurants via Dining Delights

Cons

  • No complimentary airport lounge access
  • Very low base reward rate of 0.2% on general spends
  • High interest rate of 46.78% p.a. if balance is not cleared

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

Choose Axis Bank Titanium Smart Traveler Credit Card if

Ideal for those who want a low-cost card that provides extra rewards on travel bookings and international spends.

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 Titanium Smart Traveler 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 Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card and Swiggy HDFC Bank Credit Card?
Axis Bank Titanium Smart Traveler Credit Card has an annual fee of ₹100, while Swiggy HDFC Bank Credit Card has an annual fee of ₹500. Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card or Swiggy HDFC Bank Credit Card?
Axis Bank Titanium Smart Traveler Credit Card offers a base reward rate of 0.04000000000000001% with accelerated rewards on International Spends and Domestic Travel (Hotels, Ai.... 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 Titanium Smart Traveler Credit Card and Swiggy HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card or Swiggy HDFC Bank Credit Card?
For beginners, Axis Bank Titanium Smart Traveler Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

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