Swiggy HDFC vs Airtel Axis
Swiggy HDFC is better for online shopping, travel & flights, while Airtel Axis wins on bills & recharges. Both have the same annual fee.
HDFC Bank
Swiggy HDFC Bank Credit Card
•••• 5367Mastercard
Axis Bank
Airtel Axis Bank Credit Card
•••• 5367Mastercard
| Swiggy HDFC Bank Credit Card | Airtel Axis Bank Credit Card | |
|---|---|---|
| Issuer | HDFC Bank | Axis Bank |
| Network | Mastercard | Mastercard |
| Best for | Food delivery & Instamart | Bills & utilities |
| Headline benefit | 10% on Swiggy | 25% on Airtel |
| Joining fee | ₹500 | ₹500 |
| Annual fee | ₹500 | ₹500 |
| Fee waiver | ₹2,00,000 spend | ₹2,00,000 spend |
| Works on UPI | No | No |
| Lounge access | None | Domestic (spend-based) |
| Online shopping rewards | 5% | 1% |
| Groceries rewards | 10% | 10% |
| Food delivery & dining rewards | 10% | 10% |
| Fuel rewards | – | – |
| UPI scan & pay rewards | – | – |
| Bills & recharges rewards | – | 10% |
| Travel & flights rewards | 5% | 1% |
| Everything else rewards | 1% | 1% |
| Apply now | Apply now |
Choose Swiggy HDFC if…
- Huge 10% back on food & groceries via Swiggy
- 5% on most online spends
- Low ₹500 fee, waivable
Watch out for
- Swiggy orders must be ₹249+ to earn 10%
- Each category capped at ₹1,500 per cycle
- No lounge access
Choose Airtel Axis if…
- Best card for Airtel users
- 10% on bills, food delivery and groceries
- Low ₹500 fee
Watch out for
- Each category has a monthly cap
- Most value needs the Airtel Thanks app
- Only 1% on general spends
Verdict
Swiggy HDFC is better for online shopping, travel & flights, while Airtel Axis wins on bills & recharges. Both have the same annual fee. Many people hold both: the two cards cover different categories, so using each where it earns most maximises your total rewards. Try the card finder with your own spends to see the exact difference.