vs
In short: both charge a ₹500 annual fee; both charge a 3.5% forex markup.
| Key facts | Airtel Axis | HDFC Swiggy |
|---|---|---|
| Annual fee | ₹500 | ₹500 |
| Joining fee | ₹500 | ₹500 |
| Annual fee waived | On ₹2 lakh annual spend | On ₹2 lakh annual spend |
| Top reward rate | 25% Cashback on Airtel Mobile, Broadband, WiFi and DTH Bill Payments | 10% Cashback on Swiggy Applications |
| Base rewards | 1% Cashback on All Other Spends | 1% Cashback on All Other Spends |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 8 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Swiggy returns about ₹3,000 more a year after annual fees (₹7,800 vs ₹4,800 in rewards).
| Spend profile | Airtel Axis | HDFC Swiggy |
|---|---|---|
| Reward value: top rate / base rate | 25% / 1% | 10% / 1% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹4,800 | ₹7,800 |
| Annual fee | ₹500 | ₹500 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Airtel Axis Bank Visa Credit Card and the Swiggy Hdfc Bank Credit Card both offer cashback rewards with a similar annual fee structure and fee waiver condition. Airtel Axis Bank card excels in cashback on Airtel services, while the Swiggy HDFC card focuses on cashback across various online categories including Swiggy. Both cards charge a 3.5% forex markup and do not list lounge access benefits in our data.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Airtel Axis Bank Visa Credit Card | Swiggy Hdfc Bank Credit Card |
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.500 | Joining Fee of Rs. 500 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.500 | Renewal Fee of Rs.500 |
| Annual fee waiver | Spend Rs.2 Lakhs For Annual Fee Waiver | Spend Rs.200000 For Renewal Fee Waiver |
| Top reward rate | 25% Cashback on Airtel Mobile, Broadband, WiFi and DTH Bill Payments | 10% Cashback on Swiggy Applications |
| Base rate (other spends) | 1% Cashback on All Other Spends | 1% Cashback on All Other Spends |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | — |
| Welcome benefit | Get Amazon eVoucher Worth Rs.500 on First Transaction | Complimentary Swiggy One Membership |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
For rewards, the Swiggy Hdfc Bank Credit Card offers a broader range of 5% cashback categories such as apparels, electronics, and online marketplaces like Amazon and Flipkart, along with 10% cashback on Swiggy apps. The Airtel Axis Bank Visa Credit Card provides a higher top cashback rate of 25% but only on Airtel mobile, broadband, WiFi, and DTH bill payments. Considering an average spend of Rs.20,000 per month, the Swiggy card can yield about Rs.7,800 annually in rewards compared to Rs.4,800 with the Airtel card, making Swiggy HDFC better for diversified cashback benefits.
Neither card lists domestic or international lounge access in our data, and both have the same 3.5% foreign currency transaction fee. The Airtel card offers a 1% fuel surcharge waiver, which the Swiggy card does not list. The Swiggy card includes complimentary Swiggy One membership, which could benefit frequent users of Swiggy’s services. Overall, neither card stands out distinctly for travel benefits beyond these points, resulting in a tie.
Both cards have a joining and renewal fee of Rs.500, with an annual fee waiver on spending Rs.2 lakhs. The Airtel card waives card replacement fees, whereas the Swiggy card charges Rs.199 for card reissue. Cash advance fees are similar at 2.5%, but the Swiggy card has a higher minimum fee of Rs.500. Balance transfer charges are only listed for the Swiggy card at 1%. Given these factors, the effective cost is comparable, with a slight edge to Airtel Axis Bank for card replacement fee waiver.
Airtel Axis Bank Visa Credit Card is focused on maximizing cashback on Airtel-related payments, making it ideal for Airtel users. In contrast, the Swiggy Hdfc Bank Credit Card offers a more diversified cashback portfolio across multiple online categories and marketplaces, catering to a broader range of everyday spends.
The Swiggy HDFC card provides golf-related benefits including 12 complimentary golf lessons and 4 rounds of green fees per year, which are not listed for the Airtel card. The Airtel card offers a fuel surcharge waiver, which the Swiggy card does not list.
Consider Airtel Axis Bank Visa Credit Card if you primarily spend on Airtel services like mobile, broadband, and DTH, and want a strong cashback rate of 25% on these payments. It is also suitable if you value a 1% fuel surcharge waiver and prefer a card with no card replacement fees.
Consider Swiggy Hdfc Bank Credit Card if you seek a wider range of cashback categories including online shopping, entertainment, and especially if you frequently use Swiggy services to take advantage of the 10% cashback and complimentary Swiggy One membership. It also suits those interested in golf benefits like complimentary lessons and green fee rounds.
Both Airtel Axis Bank Visa Credit Card and Swiggy Hdfc Bank Credit Card have a joining and renewal fee of Rs.500, which is waived if you spend Rs.2 lakhs annually.
Swiggy Hdfc Bank Credit Card offers better overall cashback rewards with about Rs.7,800 annually at Rs.20,000 monthly spend, compared to Rs.4,800 for Airtel Axis Bank Visa Credit Card, due to its broader cashback categories.
Lounge access benefits are not listed in our data for either card, so please check with the issuer for details.
Both cards charge a 3.5% markup on foreign currency transactions.
Airtel Axis Bank Visa Credit Card offers an Amazon eVoucher worth Rs.500 on the first transaction, while Swiggy Hdfc Bank Credit Card provides a complimentary Swiggy One membership for 3 months.
The Airtel Axis Bank Visa Credit Card offers a 1% fuel surcharge waiver, whereas this benefit is not listed for the Swiggy Hdfc Bank Credit Card.