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Swiggy HDFC Bank Credit Card VS Axis Bank SELECT 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

Swiggy HDFC Bank Credit Card
Swiggy HDFC Bank Credit Card
Axis Bank SELECT Credit Card
Axis Bank SELECT Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹3,000 + GST
Renewal Fee
₹500 + GST
₹3,000 + GST
Spend Based Waiver
Renewal fee waived off on spending ₹2,00,000 or more in the preceding year.
Annual fee waiver on spending ₹8 lakhs in a card anniversary year.
Foreign Transaction Fees
3.5% + GST
3.50% of the transaction value.
Interest Rate (APR)
3.75% per month or 45% per annum
3.75% per month (55.55% per annum) on retail purchases & cash.

Rewards & Benefits

Welcome Bonus
Complimentary Swiggy One Membership for 3 months upon card activation.
Get 10,000 EDGE REWARD Points worth ₹2,000 on your first card transaction within 30 days of card issuance.
Rewards Rate
10% on Swiggy, 5% on online spends, and 1% on other categories.
Earn 10 EDGE points per ₹200 spent; 20 points per ₹200 on retail shopping up to ₹20,000 monthly.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
Nil
₹99 per reward redemption.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary domestic lounge access.
2 complimentary domestic lounge visits per quarter on ₹50,000+ spends in previous 3 months (Max 8/year).
International Lounge Access
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary international lounge access.
Up to 12 complimentary international airport lounge accesses annually via Priority Pass Membership.
Travel Benefits
Get up to 12% off on Agoda bookings and other Mastercard World Tier travel privileges.
Complimentary domestic & international lounge access. Travel insurance up to USD 500 for baggage & documents.
Movie Benefits
Earn 5% cashback on online spends, including BookMyShow, making movie outings more rewarding.
Get 100% discount on 2nd movie ticket via District app, up to ₹250, twice monthly. Code: AXISSELECT.
Dining Benefits
Enjoy 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) and 5% on online dining.
Up to 25% discount, up to ₹800, at partner restaurants via Axis Bank Dining Delights Program.
Golf Benefits
Access 12 free golf lessons and 4 complimentary rounds annually with this Mastercard.
6 complimentary golf rounds per year; additional 6 rounds on ₹3 Lakhs annual spend milestone.
Fuel Surcharge Waiver
Not Applicable
1% fuel surcharge waiver (transactions ₹400-₹4000), capped at ₹400 per statement cycle.

Security & Other

Insurance Benefits
Benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions.
Purchase protection up to ₹1 Lakh. Travel insurance (USD 500) for lost documents/baggage.
Cash Advance Charges
2.5% of the advanced amount or ₹500, whichever is higher.
2.5% of cash amount (Minimum ₹500).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Swiggy HDFC Bank Credit Card

Axis Bank SELECT Credit Card

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.

Who is it for?

The Axis Bank Select Credit Card is a versatile lifestyle card, offering extensive benefits across shopping, travel, and dining. It provides accelerated EDGE Reward Points, discounts on platforms like Swiggy and BigBasket, and complimentary domestic & international lounge access. With valuable golf privileges, comprehensive insurance, and milestone rewards including an annual fee waiver, it's ideal for those seeking a premium and rewarding credit card experience.

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.

Pros

Key benefits and features.

Enjoy ₹200 off twice monthly on Swiggy and significant discounts on BigBasket shopping.

Access 12 complimentary international airport lounges annually through Priority Pass membership.

Benefit from comprehensive insurance cover, including purchase protection and travel insurance.

Achieve annual fee waiver and bonus reward points with substantial milestone spending.

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.

Cons

Key drawbacks and limitations.

No reward points are earned on fuel transactions made with the Axis Bank Select Credit Card.

The initial joining fee of ₹3,000 + GST is not fully offset by the ₹2,000 welcome benefit.

Reward points are not earned on key categories such as rent, insurance, and utility payments.

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.