Swiggy HDFC Bank Credit Card vs AXIS Bank IOCL Rupay Credit Card

Joining Fees

₹500

₹500

Editor's Rating

4.05

3.9

Key Features

* Get 10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie)
* Get 5% Cashback on online spends across online MCCs
* Get 1% Cashback on other categories
* Zero lost card liability
*  Up to 50 days of interest-free period on the Swiggy HDFC Bank Credit Card from the date of purchase
* When making spends of Rs. 2,00,000 or more in a year, before the Credit Card renewal date, get the renewal fee waived off
* Swiggy HDFC Bank Credit Card is enabled for contactless payments
* You can convert large purchases on the credit card into Smart EMI

* Mastercard Golf Benefits:

a. Access golf courses worldwide and 12 free lessons per year

b. 4 complimentary rounds of green fees per calendar yea

c. Discounted golf services at 50% of the green fee beyond complimentary sessions

  • 100% cashback, up to Rs. 250, on all fuel spends within first 30 days of card issuance
  • Earn up to 4% value back on fuel spends made at Indian Oil outlets (Rs. 100 = 20 Reward Points, max. 1000 Reward Points per month)
  • Earn Reward Points on UPI Payments by linking the card to UPI
  • 20 reward points per Rs. 100 on fuel spends on IOC Terminal
  • 5 reward points per Rs. 100 spent on Online Shopping (basis MCC). Minimum transaction size eligible: Rs. 100
  • 1 rewards points per Rs. 100 spent on all other spends. Maximum eligible spends 5000/month
  • 1% Fuel surcharge waiver is applicable for fuel spends between Rs. 200 to Rs 5000
  • Annual Fee waived off if spends more than Rs. 50000 per year
  • 10% instant discount for movie ticket booked via BookMyshow website
  • Enjoy up to 15% Discount on partner Restaurants via EazyDiner

Editor's Review

Pros


* Get 10% cashback on all Swiggy food delivery orders, including Genie and Instamart
* Up to Rs. 1,500 cashback per month across major online shopping platforms
* This credit card suits food enthusiasts because they can get a complimentary Swiggy One membership for three months which is extremely beneficial

Cons

* One can only redeem their cashback on the Swiggy app
* There's no domestic or international lounge access
* The foreign currency markup is on the higher side at 3.5%

Pros

  • 100% cashback, up to Rs. 250, on all fuel spends within first 30 days of card issuance
  • Earn up to 4% value back on fuel spends made at Indian Oil outlets (Rs. 100 = 20 Reward Points, max. 1000 Reward Points per month)
  • 20 reward points per Rs. 100 on fuel spends on IOC Terminal

Cons

  • No International Airport Lounge access
  • No Golf benefits
  • No travel miles benefits


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