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.
Fees & Charges
Joining Fee
Rs. 500 + GST
₹500 + GST
Renewal Fee
Rs. 500 + GST
₹500 + GST
Spend Based Waiver
Not Applicable
Renewal fee waived on annual spends of ₹2,00,000 or more.
Foreign Transaction Fees
Up to 3.5% (plus applicable taxes)
3.5% + GST
Interest Rate (APR)
3.99% per month (or 47.88% annually)
3.75% per month or 45% per annum on revolving credit.
Rewards & Benefits
Welcome Bonus
500 Edition Cash + complimentary annual Zomato Pro membership, renewed yearly.
Complimentary Swiggy One Membership for 3 months upon card activation.
Rewards Rate
Earn 5 Edition Cash per Rs. 100 on Zomato/Blinkit, 1 Edition Cash per Rs. 100 on other spends.
Up to 10% cashback on Swiggy app, 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
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Up to 12% off on Agoda bookings & complimentary stays at Mastercard partner locations.
Movie Benefits
Not Applicable
5% cashback on online spends including BookMyShow.
Dining Benefits
Complimentary annual Zomato Pro membership; Earn 5 Edition Cash per Rs. 100 spent on Zomato/Blinkit.
10% cashback on Swiggy app (food, Instamart, Dineout, Genie), plus Mastercard dining offers.
Golf Benefits
Not Applicable
Complimentary golf lessons (12/year) and green fees (4/year) at select golf courses.
Fuel Surcharge Waiver
1% waiver on transactions between Rs. 500 and Rs. 4,000 (at bank's discretion).
Not Applicable
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of withdrawn amount, min. Rs. 500.
2.5% of amount or ₹500, whichever is higher.