Swiggy HDFC vs Flipkart Axis
Swiggy HDFC is better for online shopping, groceries, food delivery & dining, while Flipkart Axis wins on its partner brands. Both have the same annual fee.
HDFC Bank
Swiggy HDFC Bank Credit Card
•••• 5367Mastercard
Axis Bank
Flipkart Axis Bank Credit Card
•••• 6161Mastercard
| Swiggy HDFC Bank Credit Card | Flipkart Axis Bank Credit Card | |
|---|---|---|
| Issuer | HDFC Bank | Axis Bank |
| Network | Mastercard | Mastercard |
| Best for | Food delivery & Instamart | Flipkart & Myntra |
| Headline benefit | 10% on Swiggy | 7.5% on Myntra |
| Joining fee | ₹500 | ₹500 |
| Annual fee | ₹500 | ₹500 |
| Fee waiver | ₹2,00,000 spend | ₹3,50,000 spend |
| Works on UPI | No | No |
| Lounge access | None | None |
| Online shopping rewards | 5% | 4% |
| Groceries rewards | 10% | 1% |
| Food delivery & dining rewards | 10% | 4% |
| Fuel rewards | – | – |
| UPI scan & pay rewards | – | – |
| Bills & recharges rewards | – | – |
| Travel & flights rewards | 5% | 4% |
| 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 Flipkart Axis if…
- Top rewards on Flipkart and Myntra
- 4% on popular apps like Swiggy and Uber
- Cashback credited directly
Watch out for
- Fee waiver needs a high ₹3.5 lakh spend
- No lounge access
- Utilities and fuel excluded
Verdict
Swiggy HDFC is better for online shopping, groceries, food delivery & dining, while Flipkart Axis wins on its partner brands. 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.