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Swiggy HDFC Bank Credit Card vs EazyDiner IndusInd Platinum 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 Platinum Credit Card
EazyDiner IndusInd Platinum Credit Card

Fees & Charges

Joining Fee
₹500 + GST
Nil
Renewal Fee
₹500 + GST
Nil
Spend Based Waiver
Renewal fee waived off on spending ₹2,00,000 or more in the preceding year.
3-month Prime membership renewal upon spends of INR 30,000 or more in 90 days.
Foreign Transaction Fees
3.5% + GST
3.5% of the Transaction Amount
Interest Rate (APR)
3.75% per month or 45% per annum
3.83% Monthly and 46% Annually

Rewards & Benefits

Welcome Bonus
Complimentary Swiggy One Membership for 3 months upon card activation.
3-month EazyDiner Prime membership (value INR 1,095) & 500 welcome bonus EazyPoints on issuance.
Rewards Rate
10% on Swiggy, 5% on online spends, and 1% on other categories.
Earn 2 Reward Points per INR 100 on most spends, 0.7 on select categories, plus 2X EazyPoints.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
Nil
INR 100

Travel & Lifestyle

Domestic Lounge Access
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary domestic lounge access.
Not Applicable
International Lounge Access
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary international lounge access.
Not Applicable
Travel Benefits
Get up to 12% off on Agoda bookings and other Mastercard World Tier travel privileges.
Not Applicable
Movie Benefits
Earn 5% cashback on online spends, including BookMyShow, making movie outings more rewarding.
Not Applicable
Dining Benefits
Enjoy 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) and 5% on online dining.
Guaranteed 25% off via EazyDiner Prime & additional 20% off up to INR 500 on PayEazy.
Golf Benefits
Access 12 free golf lessons and 4 complimentary rounds annually with this Mastercard.
Not Applicable
Fuel Surcharge Waiver
Not Applicable
1% waiver across all fuel stations; GST on fuel surcharge is applicable.

Security & Other

Insurance Benefits
Benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions.
Total Protect program covering unauthorized transactions in case of loss/theft & counterfeit fraud.
Cash Advance Charges
2.5% of the advanced amount or ₹500, whichever is higher.
2.5% of the Amount or a Minimum of INR 300

Swiggy HDFC Bank Credit Card

EazyDiner IndusInd Platinum Credit Card

Who is it for?

Who is it for?

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.

Lifetime free with zero joining and renewal fees, making it highly accessible.

Offers significant dining savings with guaranteed discounts via EazyDiner Prime.

Additional instant 20% off on PayEazy for enhanced dining value and savings.

Earn competitive Reward Points and 2X EazyPoints on most spending categories.

Milestone benefits enable renewal of Prime membership and extra reward points.

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 EazyDiner IndusInd Bank Platinum Card lacks benefits for travel or lounge access.

Fuel transactions do not earn any Reward Points, limiting overall reward potential.

A rewards redemption fee of INR 100 is charged for redeeming points.

Additional 20% dining discount is capped at 3 usages per calendar month.

Reward points earned on the card have a limited validity of just one year.

Ready to Choose?

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