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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.
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Last updated: 18 July 2026

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.

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
Joining Fee₹500 + GST
Renewal Fee₹500 + GST
Renewal Fee₹500 + GST
Spend Based WaiverAnnual charges are waived on spending ₹2 Lakh or more in the preceding year.
Spend Based Waiver
Foreign Transaction Fees3.5% + GST
Foreign Transaction FeesUp to 3.5% (plus applicable taxes)
Interest Rate (APR)3.75% Per Month or 45% Per Annum
Interest Rate (APR)3.99% per month (equivalent to 47.88% annually)

Rewards & Benefits

Welcome BonusComplimentary 3-month Swiggy One Membership upon card activation.
Welcome Bonus500 Edition Cash & complimentary annual Zomato Pro membership.
Rewards RateEarn 10% cashback on Swiggy, 5% on top online brands, and 1% on other eligible spends.
Rewards RateEarn 5 Edition Cash per Rs. 100 on Zomato/Blinkit (capped daily); 1 Edition Cash per Rs. 100 on others.
Reward TypeCashback, Air Miles
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsMastercard World Tier benefits including up to 12% off on Agoda bookings and complimentary stays.
Travel Benefits
Movie Benefits5% cashback on BookMyShow spends.
Movie Benefits
Dining Benefits10% cashback across the Swiggy application, including food orders, Instamart, Dineout.
Dining BenefitsComplimentary Zomato Pro membership & accelerated rewards on Zomato/Blinkit.
Golf BenefitsFour complimentary rounds of green fees and twelve complimentary golf lessons annually.
Golf Benefits
Fuel Surcharge WaiverNot applicable
Fuel Surcharge Waiver1% fuel surcharge waived for transactions between Rs. 500 and Rs. 4,000.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of the advanced amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of withdrawn amount, with a minimum charge of Rs. 500.
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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 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 Zomato Edition Classic Credit Card, issued by RBL Bank, was designed for Zomato users and food enthusiasts, offering exclusive dining benefits. It provided a complimentary annual Zomato Pro membership and accelerated Edition Cash on Zomato and Blinkit purchases. While it offered value for dedicated foodies, the card has recently undergone significant devaluations and is now discontinued, limiting its appeal and availability.

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 significant value for frequent Zomato users with dining-focused benefits.

Includes a complimentary annual Zomato Pro membership, enhancing food ordering experience.

Accelerated rewards of 5 Edition Cash per Rs. 100 on Zomato and Blinkit spends.

Edition Cash is flexible, redeemable for Zomato purchases or against statement balance.

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 card has been discontinued, limiting new applications and future benefits.

Significant devaluation of benefits, including removal of 5% cashback at dining outlets.

Lacks benefits in other popular categories like travel, movies, and lounge access.

A cap of 1% on all other transactions limits overall reward earning potential.

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.
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