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Axis Bank My Zone Easy 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 Axis Bank My Zone Easy Credit Card and Swiggy HDFC Bank Credit Card suit dining-focused spenders, but they earn and cost differently. Axis Bank My Zone Easy Credit Card costs ₹500 + GST and earns 4 Edge Reward Points on domestic spends for every Rs. 200 spent. Swiggy HDFC Bank Credit Card costs ₹500 + GST and earns 10% on Swiggy, 5% on online spends, and 1% on other categories. Axis Bank My Zone Easy Credit Card also brings assured approval for the credit card upon application, while Swiggy HDFC Bank Credit Card counters with benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions. If premium spending matters more, go with Axis Bank My Zone Easy Credit Card; if dining is the priority, Swiggy HDFC Bank Credit Card fits better.

Axis Bank My Zone Easy Credit Card
Axis Bank My Zone Easy 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 Waiver
Spend Based WaiverAnnual charges are waived on spending ₹2 Lakh or more in the preceding year.
Foreign Transaction Fees3.5% of the total transaction amount.
Foreign Transaction Fees3.5% + GST
Interest Rate (APR)3.75% Per Month (55.55% Yearly).
Interest Rate (APR)3.75% Per Month or 45% Per Annum

Rewards & Benefits

Welcome Bonus
Welcome BonusComplimentary 3-month Swiggy One Membership upon card activation.
Rewards RateEarn 4 Edge Reward Points on every ₹200 spent on domestic transactions.
Rewards RateEarn 10% cashback on Swiggy, 5% on top online brands, and 1% on other eligible spends.
Reward TypeReward Points
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 BenefitsInstant savings up to 15% on flights & hotels via Goibibo and Makemytrip on Wednesdays.
Travel BenefitsMastercard World Tier benefits including up to 12% off on Agoda bookings and complimentary stays.
Movie Benefits25% cashback on online and Box office movie ticket bookings. Max cashback per year is ₹1,000.
Movie Benefits5% cashback on BookMyShow spends.
Dining BenefitsMinimum 15% discount on dining under Axis Bank’s Dining Delights program at partner restaurants.
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 transactions ₹400-₹4,000, max ₹400/month. GST on surcharge non-refundable.
Fuel Surcharge WaiverNot applicable

Security & Other

Insurance BenefitsZero liability protection against lost/stolen cards.
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum of ₹500.
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.

Axis Bank My Zone Easy Credit Card

Swiggy HDFC Bank Credit Card

Who is it for?

The Axis Bank My Zone Easy Credit Card is a secured credit card issued against a fixed deposit, designed for individuals to build their credit history. It offers guaranteed approval with minimal documentation. Key benefits include 25% cashback on movie tickets, a minimum 15% discount on dining, and a 1% fuel surcharge waiver. This card is ideal for those starting their credit journey who also enjoy entertainment and dining.

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.

Enjoy guaranteed approval for the Axis Bank My Zone Easy Credit Card against a fixed deposit.

An excellent choice for individuals looking to build or improve their credit history effectively.

Significant savings with 25% cashback on movie tickets, capped at ₹1,000 annually.

Benefit from a minimum 15% discount on dining at various partner restaurants across India.

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

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.

Offers fewer features and benefits when compared to many unsecured credit card options.

Requires a fixed deposit as collateral, which might block a significant amount of funds.

Ambiguity regarding rewards redemption fee, which could lead to unexpected charges.

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.
Apply for Axis Bank My Zone Easy Credit Card(opens in new tab)Apply for Swiggy HDFC Bank Credit Card(opens in new tab)