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
₹500 + GST
₹500 + GST
Nil
Renewal Fee
₹500 + GST
₹500 + GST
Nil
Spend Based Waiver
Not Applicable
Renewal fee waived off on spending ₹2,00,000 or more in the preceding year.
3-month Prime membership renewal upon spends of INR 30,000 or more in 90 days.
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 (equivalent to 47.88% annually)
3.75% per month or 45% per annum
3.83% Monthly and 46% Annually
Rewards & Benefits
Welcome Bonus
500 Edition Cash & complimentary annual Zomato Pro membership upon joining.
Complimentary Swiggy One Membership for 3 months upon card activation.
3-month EazyDiner Prime membership (value INR 1,095) & 500 welcome bonus EazyPoints on issuance.
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.
Earn 2 Reward Points per INR 100 on most spends, 0.7 on select categories, plus 2X EazyPoints.
Reward Type
Reward Points
Cashback
Reward Points
Reward Redemption Fee
Nil
Nil
INR 100
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary domestic lounge access.
Not Applicable
International Lounge Access
Not Applicable
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary international lounge access.
Not Applicable
Travel Benefits
Not Applicable
Get up to 12% off on Agoda bookings and other Mastercard World Tier travel privileges.
Not Applicable
Movie Benefits
Not Applicable
Earn 5% cashback on online spends, including BookMyShow, making movie outings more rewarding.
Not Applicable
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.
Guaranteed 25% off via EazyDiner Prime & additional 20% off up to INR 500 on PayEazy.
Golf Benefits
Not Applicable
Access 12 free golf lessons and 4 complimentary rounds annually with this Mastercard.
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge levied; waived for select transactions between ₹500 and ₹4,000.
Not Applicable
1% waiver across all fuel stations; GST on fuel surcharge is applicable.
Security & Other
Insurance Benefits
Not Applicable
Benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions.
Total Protect program covering unauthorized transactions in case of loss/theft & counterfeit fraud.
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.
2.5% of the Amount or a Minimum of INR 300