vs
In short: both charge a ₹500 annual fee; both charge a 3.5% forex markup.
| Key facts | Axis Flipkart | HDFC Swiggy |
|---|---|---|
| Annual fee | ₹500 | ₹500 |
| Joining fee | ₹500 | ₹500 |
| Annual fee waived | On ₹3.5 lakh annual spend | On ₹2 lakh annual spend |
| Top reward rate | 5% Cashback on Flipkart | 10% Cashback on Swiggy Applications |
| Base rewards | unlimited 1% Cashback | 1% Cashback on All Other Spends |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 5 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 | Axis Flipkart | HDFC Swiggy |
|---|---|---|
| Reward value: top rate / base rate | 5% / 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 Flipkart Axis Bank Credit Card and the Swiggy Hdfc Bank Credit Card both offer cashback rewards with a focus on specific brands, but differ in their reward rates and fee waiver thresholds. Flipkart Axis Bank card provides cashback primarily on Flipkart and related platforms, while the Swiggy Hdfc Bank card emphasizes cashback on Swiggy and a wider range of online categories. Both cards have a joining fee of Rs.500 and similar forex markup charges.
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 | Flipkart Axis Bank Credit Card | Swiggy Hdfc Bank Credit Card |
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Network | MasterCard | 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.3.5 Lakhs For Annual Fee Waiver | Spend Rs.200000 For Renewal Fee Waiver |
| Top reward rate | Earn 5% Cashback on Flipkart | 10% Cashback on Swiggy Applications |
| Base rate (other spends) | Earn unlimited 1% Cashback | 1% Cashback on All Other Spends |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | — |
| Welcome benefit | Welcome Benefit - Flipkart Voucher worth Rs.250 | Complimentary Swiggy One Membership |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
For rewards, the Swiggy Hdfc Bank Credit Card offers a higher top cashback rate of 10% on Swiggy applications compared to Flipkart Axis Bank Credit Card's 5% on Flipkart. The Swiggy card also provides 5% cashback on a broader set of online categories including apparel, electronics, and Amazon, whereas the Flipkart card focuses on fewer brands but includes 7.5% cashback on Myntra. At Rs.20,000 monthly spend, the Swiggy card yields about Rs.7,800 annually in rewards, significantly more than the Flipkart card's Rs.4,800. Both cards offer a base cashback rate of 1% on other spends.
Neither card lists domestic or international lounge access in our data, and both have the same forex markup fee of 3.5% on foreign currency transactions. The Flipkart Axis Bank card offers a 1% fuel surcharge waiver on fuel spends, which is not listed for the Swiggy Hdfc Bank card. Overall, both cards have a travel-related focus primarily through cashback on travel and entertainment platforms rather than travel perks like lounges or milestone benefits.
Both cards charge a joining fee of Rs.500 and an annual renewal fee of Rs.500. The Flipkart Axis Bank Credit Card waives the annual fee if you spend Rs.3.5 lakhs annually, whereas the Swiggy Hdfc Bank Credit Card requires Rs.2 lakhs for fee waiver, making it easier to avoid fees on the Swiggy card. The Flipkart card has no card replacement charges, while the Swiggy card charges Rs.199 for reissue of lost or damaged cards. Both have similar cash advance fees of 2.5%.
The Swiggy Hdfc Bank Credit Card includes a complimentary Swiggy One membership for three months and offers golf-related perks such as 12 complimentary golf lessons and 4 rounds of green fees annually, which are not listed for the Flipkart Axis Bank Credit Card.
Flipkart Axis Bank Credit Card offers a 1% fuel surcharge waiver on fuel transactions, which can be beneficial for regular fuel purchases. This benefit is not listed for the Swiggy Hdfc Bank Credit Card.
Consider Flipkart Axis Bank Credit Card if you frequently shop on Flipkart, Myntra, and related platforms, and value a straightforward cashback structure with a fuel surcharge waiver. It is suitable if you can meet the higher Rs.3.5 lakh annual spend for fee waiver and prefer no card replacement fees.
Consider Swiggy Hdfc Bank Credit Card if you often order on Swiggy and shop across a wide range of online categories including apparel, electronics, and Amazon. It offers higher cashback rates on Swiggy and easier annual fee waiver with Rs.2 lakh spend. Additionally, it provides complimentary Swiggy One membership and golf benefits, which may appeal to lifestyle-focused users.
Both the Flipkart Axis Bank Credit Card and the Swiggy Hdfc Bank Credit Card have a joining fee of Rs.500.
The Flipkart Axis Bank Credit Card waives the annual fee if you spend Rs.3.5 lakhs in a year, while the Swiggy Hdfc Bank Credit Card waives the renewal fee with Rs.2 lakhs in annual spend.
The Flipkart Axis Bank Credit Card offers up to 7.5% cashback on Myntra and 5% on Flipkart, while the Swiggy Hdfc Bank Credit Card offers 10% cashback on Swiggy applications and 5% on various online categories.
Domestic and international lounge access are not listed in our data for either the Flipkart Axis Bank Credit Card or the Swiggy Hdfc Bank Credit Card.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
The Swiggy Hdfc Bank Credit Card offers a complimentary Swiggy One membership for three months and golf-related benefits, while the Flipkart Axis Bank Credit Card does not list such benefits.