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Airtel Axis Bank Credit Card VS Swiggy HDFC Bank Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both Airtel Axis Bank Credit Card and Swiggy HDFC Bank Credit Card suit dining-focused spenders, but they earn and cost differently. Airtel Axis Bank Credit Card costs ₹500 + GST and earns 25% on Airtel services, 10% on utilities/partners, 1% on others (RuPay UPI included). Swiggy HDFC Bank Credit Card costs ₹500 + GST and earns 10% cashback on Swiggy, 5% on top online brands, and 1% on other eligible spends. Airtel Axis Bank Credit Card also brings get an Amazon eVoucher worth ₹250 on making the first transaction within 30 days of card issuance, while Swiggy HDFC Bank Credit Card counters with complimentary 3-month Swiggy One Membership upon card activation. If utilities spending matters more, go with Airtel Axis Bank Credit Card; if shopping is the priority, Swiggy HDFC Bank Credit Card fits better.

Airtel Axis Bank Credit Card
Airtel Axis Bank Credit Card
Swiggy HDFC Bank Credit Card
Swiggy HDFC Bank Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹500 + GST
Renewal Fee₹500 + GST
Renewal Fee₹500 + GST
Spend Based WaiverAnnual fee waived on ₹2,00,000+ annual spends (excl. rent/wallet loads).
Spend Based WaiverAnnual charges are waived on spending ₹2 Lakh or more in the preceding year.
Foreign Transaction Fees3.50% of transaction value; 1.5% DCC markup.
Foreign Transaction Fees3.5% + GST
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases and cash.
Interest Rate (APR)3.75% Per Month or 45% Per Annum

Rewards & Benefits

Welcome BonusGet an Amazon eVoucher worth ₹250 on making the first transaction within 30 days of card issuance.
Welcome BonusComplimentary 3-month Swiggy One Membership upon card activation.
Rewards Rate25% on Airtel services, 10% on utilities/partners, 1% on others (RuPay UPI included).
Rewards RateEarn 10% cashback on Swiggy, 5% on top online brands, and 1% on other eligible spends.
Reward TypeCashback
Reward TypeCashback, Air Miles
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsUp to 15% savings on flights & hotels via Goibibo/MakeMyTrip on Wednesdays.
Travel BenefitsMastercard World Tier benefits including up to 12% off on Agoda bookings and complimentary stays.
Movie Benefits10% value back on District Movies (up to ₹200 per month).
Movie Benefits5% cashback on BookMyShow spends.
Dining Benefits10% value back on Zomato; 15% off up to ₹500 at 4000+ restaurants via Dining Delights.
Dining Benefits10% cashback across the Swiggy application, including food orders, Instamart, Dineout.
Golf Benefits
Golf BenefitsFour complimentary rounds of green fees and twelve complimentary golf lessons annually.
Fuel Surcharge Waiver1% waiver on ₹400-₹4,000 transactions, capped at ₹500/month.
Fuel Surcharge WaiverNot applicable

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance ChargesMin ₹500 up to 2.5% of cash withdrawal amount.
Cash Advance Charges2.5% of the advanced amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Airtel Axis Bank Credit Card

Swiggy HDFC Bank Credit Card

Who is it for?

The Airtel Axis Bank Credit Card is a co-branded card for Airtel users, offering cashback on Airtel services, utility bills, and partner brands like Zomato and Blinkit. While its reward structure was devalued in April 2026, it still provides value for specific spending patterns. It's best suited for heavy Airtel users who also frequently spend on dining and shopping, and are willing to manage their overall spending to maximize benefits.

Who is it for?

The Swiggy HDFC Bank Credit Card is a popular co-branded cashback credit card, ideal for frequent Swiggy users and online shoppers. It offers a generous 10% cashback on all Swiggy app spends and 5% cashback on purchases across various top online brands. Cardholders also receive a complimentary 3-month Swiggy One membership as a welcome benefit. With an easily waivable annual fee, this card provides substantial savings on dining and online expenses, making it a strong contender in the cashback market.

Pros

Key benefits and features.

Offers 10% value back on Zomato, Blinkit, and District Movies (up to ₹200 per partner per month).

Provides 25% cashback on Airtel services and 10% on utility bills via Airtel Thanks app.

Includes a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.

Pros

Key benefits and features.

Generous 10% cashback on all Swiggy app spends, ideal for frequent users.

Significant 5% cashback on online purchases from a wide range of popular brands.

Complimentary 3-month Swiggy One membership adds substantial value as a welcome benefit.

Annual fee of ₹500 + GST is easily waived by spending ₹2 Lakh in a year.

Mastercard World Tier benefits offer golf privileges and travel discounts.

Cons

Key drawbacks and limitations.

Reward structure is complicated; higher cashback depends on 1% category spend.

Complimentary airport lounge access has been removed after the devaluation.

The card is not lifetime free and comes with an annual fee, though it can be waived.

Cons

Key drawbacks and limitations.

Lacks complimentary airport lounge access, which is a common perk on similar cards.

Cashback benefits are capped at ₹1,500 per billing cycle for key spending categories.

Fuel surcharge waiver is not applicable, increasing costs for fuel transactions.

High foreign currency markup of 3.5% + GST makes international spends expensive.

Cashback is not applicable on utility bill payments, rent, or wallet transactions.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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