Skip to main content

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.

Features

Zomato Edition Classic Credit Card
Zomato Edition Classic Credit Card
Swiggy HDFC Bank Credit Card
Swiggy HDFC Bank Credit Card
EazyDiner IndusInd Platinum Credit Card
EazyDiner IndusInd Platinum Credit Card

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
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Zomato Edition Classic Credit Card

Swiggy HDFC Bank Credit Card

EazyDiner IndusInd Platinum Credit Card

Who is it for?

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.

Pros

Key benefits and features.

Lifetime free with zero joining and renewal fees, making it highly accessible.

Offers significant dining savings with guaranteed discounts via EazyDiner Prime.

Additional instant 20% off on PayEazy for enhanced dining value and savings.

Earn competitive Reward Points and 2X EazyPoints on most spending categories.

Milestone benefits enable renewal of Prime membership and extra reward points.

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.

Cons

Key drawbacks and limitations.

The EazyDiner IndusInd Bank Platinum Card lacks benefits for travel or lounge access.

Fuel transactions do not earn any Reward Points, limiting overall reward potential.

A rewards redemption fee of INR 100 is charged for redeeming points.

Additional 20% dining discount is capped at 3 usages per calendar month.

Reward points earned on the card have a limited validity of just one year.

Ready to Choose?

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