Swiggy HDFC Bank Credit Card vs Flipkart Axis Bank Credit Card

* 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

• Welcome Benefits: Rs. 600 worth of joining and activation benefits

• Welcome Benefits: Flipkart Axis Bank credit card comes with a host of welcome and activation benefits. Listed below are the brands associated with the benefits: Flipkart/Swiggy 

a. Avail Rs. 500 worth Flipkart vouchers on making first transaction with the card               

b. Avail 50% instant discount up to Rs. 100 on first Swiggy order

• Get unlimited 5% cashback on Flipkart and Cleartrip spends
• Get unlimited 4% Cashback on Preferred Merchants
• Get unlimited 1% Cashback on other eligible categories
• 4 complimentary lounge visits to select airport lounges within India per Calendar year
• 1% fuel surcharge waiver on all fuel transactions in India. This is applicable on transactions between Rs. 400 to Rs. 4000
• On any transaction over Rs. 2,500, convert the purchases into EMI
• Indulge in delectable cuisines up to 15% off, up to Rs. 500,  at partnered restaurants in India                               
• On Wednesdays, receive the following offers:

A. Instant savings of up to 15% on flights and hotels via Goibibo and Makemytrip

B. 10% off on orders via Swiggy and Amazon Fresh

C. 10% off up to Rs. 1000 on Tira

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

• Unlimited Cashback
• Complimentary Airport Lounge Access
• Card replacement fee (lost or stolen or re-issue): Waived

Cons

• Cashback will be in the form of Flipkart cash and only redeem on the Flipkart
• 3.5% foreign currency conversion fees
• No cash back on fuel spend, purchase of the gold item, EMI transaction and on gift cards