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Side-by-Side Comparison|Updated March 2026

Swiggy HDFC Bank Credit Card vs Airtel Axis Bank Credit Card

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

HDFC Bank

Swiggy HDFC Bank Credit Card

8.5/10
Annual Fee₹500
Base Rewards1%
NetworkMastercard
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Axis Bank

Airtel Axis Bank Credit Card

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

FeatureSwiggy HDFC Bank Credit CardAirtel Axis Bank Credit Card
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver Spend₹2,00,000₹2,00,000
Base Reward Rate1%1%
Reward CurrencyCashbackCashback
NetworkMastercardVisa
Editor Rating8.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Swiggy HDFC Bank Credit Card

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

Airtel Axis Bank Credit Card

No accelerated rewards listed

Pros & Cons

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

Airtel Axis Bank Credit Card

Pros

  • 25% cashback on Airtel Mobile, DTH, and Broadband bills via Airtel Thanks App.
  • 10% cashback on Utility bills (Electricity, Gas, Water) via Airtel Thanks App.
  • 10% cashback on Swiggy, Zomato, and BigBasket spends.
  • Welcome benefit of ₹500 Amazon voucher effectively offsets the joining fee.

Cons

  • Monthly cashback caps (₹250 for Airtel, ₹250 for Utilities, ₹500 for Food/Grocery).
  • Lounge access is spend-based (₹50,000 in previous 3 months) and scheduled for removal in April 2026.
  • Cashback on utilities and Airtel services is only applicable if paid via the Airtel Thanks App.

Our Verdict

Both Swiggy HDFC Bank Credit Card and Airtel Axis Bank Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

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.

Choose Airtel Axis Bank Credit Card if

Unbeatable 25% return on telecom and broadband expenses.

Frequently Asked Questions

Which is better: Swiggy HDFC Bank Credit Card or Airtel Axis Bank Credit Card?
Both Swiggy HDFC Bank Credit Card and Airtel Axis Bank Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Swiggy HDFC Bank Credit Card and Airtel Axis Bank Credit Card?
Swiggy HDFC Bank Credit Card has an annual fee of ₹500, while Airtel Axis Bank Credit Card has an annual fee of ₹500. Swiggy HDFC Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend. Airtel Axis Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Swiggy HDFC Bank Credit Card or Airtel Axis Bank Credit Card?
Swiggy HDFC Bank Credit Card offers a base reward rate of 1% with accelerated rewards on Swiggy (Food, Instamart, Di... and Online Spends (Select MCCs). Airtel Axis Bank Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Swiggy HDFC Bank Credit Card and Airtel Axis Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Swiggy HDFC Bank Credit Card and Airtel Axis Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Swiggy HDFC Bank Credit Card or Airtel Axis 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.

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