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Zomato Edition Classic Credit Card vs Swiggy HDFC 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

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

Fees & Charges

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

Rewards & Benefits

Welcome Bonus
500 Edition Cash & complimentary annual Zomato Pro membership upon joining.
Complimentary Swiggy One Membership for 3 months upon card activation.
Rewards Rate
5 Edition Cash for every ₹100 on Zomato/Blinkit; 1 Edition Cash for every ₹100 on other spends.
10% on Swiggy, 5% on online spends, and 1% on other categories.
Reward Type
Reward Points
Cashback
Reward Redemption Fee
Nil
Nil

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary domestic lounge access.
International Lounge Access
Not Applicable
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary international lounge access.
Travel Benefits
Not Applicable
Get up to 12% off on Agoda bookings and other Mastercard World Tier travel privileges.
Movie Benefits
Not Applicable
Earn 5% cashback on online spends, including BookMyShow, making movie outings more rewarding.
Dining Benefits
Complimentary Zomato Pro & 5 Edition Cash for every ₹100 on Zomato/Blinkit (capped daily).
Enjoy 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) and 5% on online dining.
Golf Benefits
Not Applicable
Access 12 free golf lessons and 4 complimentary rounds annually with this Mastercard.
Fuel Surcharge Waiver
1% fuel surcharge levied; waived for select transactions between ₹500 and ₹4,000.
Not Applicable

Security & Other

Insurance Benefits
Not Applicable
Benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions.
Cash Advance Charges
2.5% of the withdrawn amount (with a minimum charge of ₹500)
2.5% of the advanced amount or ₹500, whichever is higher.

Zomato Edition Classic Credit Card

Swiggy HDFC Bank Credit Card

Who is it for?

Who is it for?

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.

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.

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.

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.

Ready to Choose?

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