Vyaya
Side-by-Side Comparison|Updated March 2026

Samsung Axis Bank Infinite 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

Samsung Axis Bank Infinite Credit Card

8.2/10
Annual Fee₹5,000
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

FeatureSamsung Axis Bank Infinite Credit CardSwiggy HDFC Bank Credit Card
Annual Fee₹5,000₹500
Joining Fee₹5,000₹500
Fee Waiver Spend₹7,00,000₹2,00,000
Base Reward Rate0.2%1%
Reward CurrencyEdge Reward PointsCashback
NetworkVisaMastercard
Editor Rating8.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Samsung Axis Bank Infinite Credit Card

  • 0% on Preferred Partners (Zomato,...
  • 0% on International Spends
  • 0% on Other Domestic Spends

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

Samsung Axis Bank Infinite Credit Card

Pros

  • Flat 10% cashback on Samsung products (Smartphones, TVs, Appliances) throughout the year.
  • High reward rate of 15 Edge Points per ₹100 on international spends and preferred partners like Zomato and Myntra.
  • Generous welcome benefit of 30,000 Edge Reward Points worth ₹6,000.
  • Comprehensive lounge access with 8 domestic and 6 international visits annually.

Cons

  • Samsung cashback is capped at ₹5,000 per month and ₹20,000 per year.
  • High annual fee of ₹5,000 with a steep waiver threshold of ₹7 Lakhs.
  • Domestic lounge access is subject to a minimum spend of ₹50,000 in the previous 3 months.

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, Samsung Axis Bank Infinite Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Samsung Axis Bank Infinite Credit Card if

Best-in-class 10% cashback on all Samsung ecosystem purchases including EMI transactions.

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: Samsung Axis Bank Infinite 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, Samsung Axis Bank Infinite Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Samsung Axis Bank Infinite Credit Card and Swiggy HDFC Bank Credit Card?
Samsung Axis Bank Infinite Credit Card has an annual fee of ₹5,000, while Swiggy HDFC Bank Credit Card has an annual fee of ₹500. Samsung Axis Bank Infinite Credit Card offers a fee waiver on ₹7,00,000 annual spend. Swiggy HDFC Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Samsung Axis Bank Infinite Credit Card or Swiggy HDFC Bank Credit Card?
Samsung Axis Bank Infinite Credit Card offers a base reward rate of 0.2% with accelerated rewards on Preferred Partners (Zomato,... and International Spends. 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 Samsung Axis Bank Infinite Credit Card and Swiggy HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Samsung Axis Bank Infinite Credit Card and Swiggy HDFC Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Samsung Axis Bank Infinite 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

Samsung Axis Bank Infinite Credit Card vs Axis Bank Magnus Credit CardSwiggy HDFC Bank Credit Card vs Axis Bank Magnus Credit CardSamsung Axis Bank Infinite Credit Card vs SBI Card ELITESwiggy HDFC Bank Credit Card vs SBI Card ELITESamsung Axis Bank Infinite Credit Card vs Amazon Pay ICICI Bank Credit CardSwiggy HDFC Bank Credit Card vs Amazon Pay ICICI Bank Credit CardSamsung Axis Bank Infinite Credit Card vs Axis Bank - Flipkart Axis Bank Credit CardSwiggy HDFC Bank Credit Card vs Axis Bank - Flipkart Axis Bank Credit Card

Explore More

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