Skip to main content

Swiggy HDFC Bank Credit Card VS Zomato Edition Classic 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.

Both cards charge an identical ₹500 annual fee and are built around a single food delivery app. Swiggy HDFC Bank earns 10% cashback on Swiggy spends (food delivery, Instamart, Dineout) plus 5% on other online transactions, and includes a complimentary 3-month Swiggy One membership. Zomato Edition Classic instead bundles a complimentary annual Zomato Pro membership and a 500 Edition Cash welcome bonus, with accelerated Edition Cash on Zomato spend. The choice here is entirely about which app you actually order from - the two cards are near-mirror-images of each other on fee and structure, so there's little reason to pick based on anything but your existing delivery app habit.

Features

Swiggy HDFC Bank Credit Card
Swiggy HDFC Bank Credit Card
Zomato Edition Classic Credit Card
Zomato Edition Classic Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹500 + GST
Renewal Fee
₹500 + GST
₹500 + GST
Spend Based Waiver
Renewal fee waived off on spending ₹2,00,000 or more in the preceding year.
Not Applicable
Foreign Transaction Fees
3.5% + GST
Up to 3.5% (plus applicable taxes)
Interest Rate (APR)
3.75% per month or 45% per annum
3.99% per month (equivalent to 47.88% annually)

Rewards & Benefits

Welcome Bonus
Complimentary Swiggy One Membership for 3 months upon card activation.
500 Edition Cash & complimentary annual Zomato Pro membership upon joining.
Rewards Rate
10% on Swiggy, 5% on online spends, and 1% on other categories.
5 Edition Cash for every ₹100 on Zomato/Blinkit; 1 Edition Cash for every ₹100 on other spends.
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.
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.
Complimentary Zomato Pro & 5 Edition Cash for every ₹100 on Zomato/Blinkit (capped daily).
Golf Benefits
Access 12 free golf lessons and 4 complimentary rounds annually with this Mastercard.
Not Applicable
Fuel Surcharge Waiver
Not Applicable
1% fuel surcharge levied; waived for select transactions between ₹500 and ₹4,000.

Security & Other

Insurance Benefits
Benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions.
Not Applicable
Cash Advance Charges
2.5% of the advanced amount or ₹500, whichever is higher.
2.5% of the withdrawn amount (with a minimum charge of ₹500)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Swiggy HDFC Bank Credit Card

Zomato Edition Classic 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 Zomato Edition Classic Credit Card, a collaboration between RBL Bank, Zomato, and MasterCard, is designed for Zomato users seeking exclusive dining benefits. This card provides a complimentary annual Zomato Pro membership and offers 500 Edition Cash as a welcome benefit. Cardholders earn accelerated Edition Cash on Zomato and Blinkit purchases, along with a standard rate on other expenditures, and can redeem points for food or statement balance. It's an excellent choice for frequent online food orderers.

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.

Offers exclusive dining benefits with a complimentary Zomato Pro membership.

Accelerated rewards of 5 Edition Cash on Zomato and Blinkit spends.

Redeem Edition Cash for Zomato purchases or against credit card statement.

Get 2,000 bonus Edition Cash annually by spending over ₹2,00,000.

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.

Lacks any complimentary domestic or international airport lounge access facilities.

Does not offer any specific benefits for travel, golf, or insurance needs.

High interest rates of 3.99% per month, equating to 47.88% annually.

A 1% fuel surcharge is levied on transactions, with a minimum charge of ₹10.

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.