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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.
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Last updated: 18 July 2026

Both Swiggy HDFC Bank Credit Card and Axis Bank SELECT Credit Card suit dining-focused spenders, but they earn and cost differently. Swiggy HDFC Bank Credit Card costs ₹500 + GST and earns 10% on Swiggy, 5% on online spends, and 1% on other categories. Axis Bank SELECT Credit Card costs ₹3,000 + GST and earns 10 EDGE points per ₹200 spent; 20 points per ₹200 on retail shopping up to ₹20,000 monthly. Swiggy HDFC Bank Credit Card also brings benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions, while Axis Bank SELECT Credit Card counters with 2 complimentary domestic lounge visits per quarter on ₹50,000+ spends in previous 3 months (Max 8/year). If dining spending matters more, go with Swiggy HDFC Bank Credit Card; if shopping is the priority, Axis Bank SELECT Credit Card fits better.

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
Joining Fee₹3,000 + GST
Renewal Fee₹500 + GST
Renewal Fee₹3,000 + GST
Spend Based WaiverAnnual charges are waived on spending ₹2 Lakh or more in the preceding year.
Spend Based WaiverAnnual fee waived on spends of ₹8 lakh or more in a card anniversary year.
Foreign Transaction Fees3.5% + GST
Foreign Transaction Fees3.5% of the transaction value.
Interest Rate (APR)3.75% Per Month or 45% Per Annum
Interest Rate (APR)3.75% per month (55.55% annually) for retail purchases and cash.

Rewards & Benefits

Welcome BonusComplimentary 3-month Swiggy One Membership upon card activation.
Welcome BonusGet 10,000 EDGE Reward Points worth ₹2,000 on your first card transaction within 30 days.
Rewards RateEarn 10% cashback on Swiggy, 5% on top online brands, and 1% on other eligible spends.
Rewards RateEarn 20 EDGE Points/₹200 on retail shopping (up to ₹20k/month), then 10 EDGE Points/₹200.
Reward TypeCashback, Air Miles
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹99 per redemption.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access2 complimentary domestic airport lounge accesses every quarter on ₹50k spend in previous 3 months.
International Lounge Access
International Lounge Access12 complimentary international airport lounge accesses annually with Priority Pass membership.
Travel BenefitsMastercard World Tier benefits including up to 12% off on Agoda bookings and complimentary stays.
Travel Benefits12 complimentary international lounge accesses, 2 domestic lounge accesses/quarter, MakeMyTrip savings.
Movie Benefits5% cashback on BookMyShow spends.
Movie Benefits100% discount on 2nd movie ticket (up to ₹250, twice/month) via District app.
Dining Benefits10% cashback across the Swiggy application, including food orders, Instamart, Dineout.
Dining BenefitsFlat ₹200 off on Swiggy (twice/month) & up to 25% off (up to ₹800) at partner restaurants.
Golf BenefitsFour complimentary rounds of green fees and twelve complimentary golf lessons annually.
Golf Benefits6 complimentary golf rounds annually, plus 6 more on ₹3 lakh annual spend.
Fuel Surcharge WaiverNot applicable
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹400-₹4,000, max ₹400 waiver per cycle.

Security & Other

Insurance Benefits
Insurance BenefitsPurchase Protection up to ₹1 lakh, travel document & baggage delay/loss cover up to USD 500.
Cash Advance Charges2.5% of the advanced amount or ₹500, whichever is higher.
Cash Advance Charges2.5% 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 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.

Who is it for?

The Axis Bank SELECT Credit Card is a versatile sub-premium lifestyle card offering extensive benefits across travel, shopping, dining, and golf. Cardholders enjoy complimentary domestic and international lounge access, accelerated reward points on retail shopping, and exclusive discounts on Swiggy and BigBasket. This card is ideal for individuals seeking a balanced rewards rate alongside premium lifestyle privileges.

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.

Pros

Key benefits and features.

Offers extensive lifestyle benefits across dining, shopping, travel, and golf categories.

Provides significant savings with discounts on popular platforms like Swiggy and BigBasket.

Includes valuable complimentary international and domestic airport lounge access.

Generous reward points on retail shopping, maximizing benefits for everyday spends.

Comprehensive insurance benefits provide added security for purchases and travel.

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.

Cons

Key drawbacks and limitations.

The joining and annual fees are relatively high for a sub-premium card.

Welcome benefits are less than the joining fee, reducing initial value for some users.

Reward points are not earned on essential categories like fuel, insurance, and utilities.

Domestic lounge access requires a minimum spend threshold in the preceding quarter.

High foreign currency markup of 3.5% makes international transactions expensive.

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 Swiggy HDFC Bank Credit Card(opens in new tab)Apply for Axis Bank SELECT Credit Card(opens in new tab)