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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.

Features

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
₹500 + GST
Renewal Fee
₹500 + GST
₹500 + GST
Spend Based Waiver
Not applicable.
Renewal fee waived off on spending ₹2,00,000 or more in the preceding year.
Foreign Transaction Fees
3.5% of the total transaction amount.
3.5% + GST
Interest Rate (APR)
3.75% per month (55.55% yearly) on outstanding balances. Free credit up to 50 days.
3.75% per month or 45% per annum

Rewards & Benefits

Welcome Bonus
Assured approval for the credit card upon application.
Complimentary Swiggy One Membership for 3 months upon card activation.
Rewards Rate
Earn 4 Edge Reward Points on domestic spends for every Rs. 200 spent.
10% on Swiggy, 5% on online spends, and 1% on other categories.
Reward Type
Reward Points
Cashback
Reward Redemption Fee
Nil
Nil

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary domestic lounge access.
International Lounge Access
Not Applicable
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary international lounge access.
Travel Benefits
Not Applicable
Get up to 12% off on Agoda bookings and other Mastercard World Tier travel privileges.
Movie Benefits
Get 25% cashback on online and box office movie ticket purchases all week. Capped at Rs. 1,000 annually.
Earn 5% cashback on online spends, including BookMyShow, making movie outings more rewarding.
Dining Benefits
Minimum of 15% off at partner restaurants in India with Axis Bank Dining Delights.
Enjoy 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) and 5% on online dining.
Golf Benefits
Not Applicable
Access 12 free golf lessons and 4 complimentary rounds annually with this Mastercard.
Fuel Surcharge Waiver
1% waiver on fuel transactions (Rs. 400-Rs. 4,000), capped at Rs. 400 per cycle.
Not Applicable

Security & Other

Insurance Benefits
Not Applicable
Benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions.
Cash Advance Charges
2.5% of withdrawn amount, minimum Rs. 500.
2.5% of the advanced amount or ₹500, whichever is higher.
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 offering against a fixed deposit, designed for individuals to build their credit history with guaranteed approval. It provides substantial benefits like 25% cashback on movie tickets, 15% dining discounts, and a 1% fuel surcharge waiver. This card is an excellent choice for new-to-credit users looking for a secure way to establish a strong financial foundation.

Who is it for?

The Swiggy HDFC Bank Credit Card is a popular co-branded cashback card, ideal for frequent Swiggy users and online shoppers. It offers significant benefits, including 10% cashback on Swiggy spends, 5% on other online transactions, and a complimentary 3-month Swiggy One membership. With a low annual fee that can be waived, and Mastercard World Tier benefits like golf privileges, it provides substantial annual savings for those whose spending habits align with its rewards structure.

Pros

Key benefits and features.

Guaranteed approval and minimal documentation make it accessible for credit building.

Excellent for new-to-credit users to establish a strong credit score effectively.

Enjoy significant savings with 25% cashback on movies and 15% off on dining.

Benefit from a 1% fuel surcharge waiver and up to 50 days interest-free credit.

Pros

Key benefits and features.

Excellent cashback structure with 10% on Swiggy and 5% on select online platforms.

Complimentary 3-month Swiggy One membership worth ₹1199 as a valuable welcome benefit.

Significant annual savings potential, possibly amounting to ₹42,000 for frequent users.

Mastercard World Tier benefits, including exclusive golf privileges and travel discounts.

Low standard annual fee of ₹500 + GST, often waived based on annual spending.

Cons

Key drawbacks and limitations.

Requires a fixed deposit of Rs. 20,000 or more with Axis Bank.

Benefits are fewer compared to unsecured credit cards available in the market.

Interest rates are high if balances are not paid in full by the due date.

Rewards points are not earned on fuel or movie offer transactions where cashback is availed.

Cons

Key drawbacks and limitations.

Lacks complimentary airport lounge access, a common perk available with many other credit cards.

Cashback caps (₹1,500/billing cycle) might limit maximum benefits for very high spenders.

Several exclusions apply to cashback, including gift cards and grocery purchases online.

Primary benefits are largely restricted to Swiggy and selected online merchants, not universal.

Ready to Choose?

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