Zomato Edition Classic Credit Card vs Swiggy HDFC Bank Credit Card vs EazyDiner IndusInd Platinum Credit Card
A detailed, side-by-side look at 3 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
Nil
Renewal Fee
Rs. 500 + GST
₹500 + GST
Nil
Spend Based Waiver
Not Applicable
Renewal fee waived on annual spends of ₹2,00,000 or more.
Not Applicable
Foreign Transaction Fees
Up to 3.5% (plus applicable taxes)
3.5% + GST
3.5% of the Transaction Amount
Interest Rate (APR)
3.99% per month (or 47.88% annually)
3.75% per month or 45% per annum on revolving credit.
3.83% Monthly and 46% Annually
Rewards & Benefits
Welcome Bonus
500 Edition Cash + complimentary annual Zomato Pro membership, renewed yearly.
Complimentary Swiggy One Membership for 3 months upon card activation.
Complimentary 3-month EazyDiner Prime membership with 25-50% discounts & 500 welcome EazyPoints.
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.
Earn 2 Reward Points per ₹100 spent (most categories); 2X EazyPoints on all dining spends.
Reward Type
Reward Points
Cashback
Reward Points
Reward Redemption Fee
Nil
Nil
₹100
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Up to 12% off on Agoda bookings & complimentary stays at Mastercard partner locations.
Redeem EazyPoints for free luxury hotel stays & complimentary meals; global acceptance.
Movie Benefits
Not Applicable
5% cashback on online spends including BookMyShow.
Not Applicable
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.
Guaranteed 25% off + additional 20% (up to ₹500) on dining via PayEazy; earn 2X EazyPoints.
Golf Benefits
Not Applicable
Complimentary golf lessons (12/year) and green fees (4/year) at select golf courses.
Not Applicable
Fuel Surcharge Waiver
1% waiver on transactions between Rs. 500 and Rs. 4,000 (at bank's discretion).
Not Applicable
1% Fuel Surcharge Waiver across all fuel stations in India.
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Total Protect covers fraudulent use, loss/theft & counterfeit fraud for card & add-on cards.
Cash Advance Charges
2.5% of withdrawn amount, min. Rs. 500.
2.5% of amount or ₹500, whichever is higher.
2.5% of the Amount or a Minimum of ₹300