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Swiggy HDFC Bank Credit Card VS EazyDiner IndusInd 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

Swiggy HDFC Bank Credit Card
Swiggy HDFC Bank Credit Card
EazyDiner IndusInd Bank Credit Card
EazyDiner IndusInd Bank Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹2,999 + GST
Renewal Fee
₹500 + GST
₹2,999 + GST
Spend Based Waiver
Renewal fee waived off on spending ₹2,00,000 or more in the preceding year.
No spend-based waiver for the annual fee.
Foreign Transaction Fees
3.5% + GST
3.5%
Interest Rate (APR)
3.75% per month or 45% per annum
3.83% per month (APR: 45.96%)

Rewards & Benefits

Welcome Bonus
Complimentary Swiggy One Membership for 3 months upon card activation.
2,000 EazyPoints, 12-month EazyDiner Prime membership, and a ₹7,500 Postcard Hotel stay voucher.
Rewards Rate
10% on Swiggy, 5% on online spends, and 1% on other categories.
10 RP/₹100 on Hotel, Travel, Shopping, Entertainment; 4 RP/₹100 on others. 3X EazyPoints on EazyDiner App.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
Nil
Nil

Travel & Lifestyle

Domestic Lounge Access
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary domestic lounge access.
International Lounge Access
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary international lounge access.
Travel Benefits
Get up to 12% off on Agoda bookings and other Mastercard World Tier travel privileges.
₹7,500 Postcard Hotel stay voucher. EazyPoints redeemable for free luxury hotel stays.
Movie Benefits
Earn 5% cashback on online spends, including BookMyShow, making movie outings more rewarding.
10 Reward Points per ₹100 on Entertainment spends.
Dining Benefits
Enjoy 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) and 5% on online dining.
Complimentary EazyDiner Prime, 25-50% off at 2000+ restaurants, extra 25% off via EazyDiner App.
Golf Benefits
Access 12 free golf lessons and 4 complimentary rounds annually with this Mastercard.
Fuel Surcharge Waiver
Not Applicable
1% waiver on ₹500-₹3,000 transactions, capped at ₹250/cycle. GST applicable.

Security & Other

Insurance Benefits
Benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions.
'Total Protect' covers fraudulent use up to credit limit for loss/theft/counterfeit fraud.
Cash Advance Charges
2.5% of the advanced amount or ₹500, whichever is higher.
2.5% of withdrawn amount, minimum ₹300.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Swiggy HDFC Bank Credit Card

EazyDiner IndusInd Bank 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 EazyDiner IndusInd Signature Credit Card is a premium dining and lifestyle card designed for frequent diners, travelers, and shoppers. It offers substantial dining discounts, valuable welcome and renewal benefits including a complimentary EazyDiner Prime membership and a Postcard Hotel stay voucher. With accelerated reward points on select spending categories, this card provides significant value, especially for those who regularly use the EazyDiner platform and seek luxury travel experiences.

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.

Significant dining discounts and benefits, including a complimentary EazyDiner Prime membership.

Valuable welcome and renewal benefits, including a Postcard Hotel stay voucher.

Accelerated reward points on key lifestyle categories like travel, shopping, and entertainment.

Comprehensive fraud protection with the 'Total Protect' program.

Complimentary premium alcoholic beverages at select restaurants.

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.

The card comes with relatively high joining and annual fees.

Dining discounts are limited to EazyDiner App payments at select restaurants.

No reward points are earned on dining transactions.

The card does not offer any complimentary lounge access or golf benefits.

Reward points earned with this card have an expiry period of one year.

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.