Swiggy HDFC Credit Card Vs Flipkart Axis Bank Credit Card

Last Updated : March 18, 2025, 6:04 p.m.

The Flipkart Axis Bank credit card and the Swiggy HDFC credit card are two popular cashback credit cards with their own set of unique benefits. With the Flipkart Axis Bank credit card, credit card holders can earn unlimited cashback on Flipkart and Cleartrip, along with a 4% cashback on other reputed merchants like PVR, Swiggy, Uber, and Cult.fit. In spite of being a co-branded credit card, the benefits extend across multiple categories, such as dining, entertainment, lifestyle, and travel. With the Swiggy HDFC Credit card, you can enjoy maximum cashback on Swiggy spends and also good cashback on multiple other online platforms. Further, you will get a cashback of 1% on offline spends too. So, which card to choose amongst these two? Let us now compare the features and benefits of both to determine which card to opt for. After you choose a credit card and before you decide to apply for it, check CIBIL score online on Wishfin.

Swiggy HDFC Credit Card Vs Flipkart Axis Bank Credit Card - A Comparison

Pros and Cons of the Swiggy HDFC Bank Credit Card and the Flipkart Axis Bank Credit Card

Pros of the Swiggy HDFC Bank Credit Card

• Get a cashback of 10% on all your Swiggy food delivery orders, including Genie and Instamart.
• Get a cashback of Rs. 1500 per month on spends made across major online shopping apps.
• Food lovers can get a complimentary Swiggy One membership for three months

Cons of the Swiggy HDFC Bank Credit Card

• There is no complimentary airport lounge access
• You can redeem the cashback only on the Swiggy app.
• The foreign currency markup is really high - 3.5%

Pros of the Flipkart Axis Bank Credit Card

• Unlimited cashback
• Complimentary airport lounge access
• Waiver on card replacement fee (Lost or stolen or re-issue)

Cons of the Flipkart Axis Bank Credit Card

• Cashback will be credited in the form of Flipkart cash and can be redeemed only on Flipkart
• Get a foreign currency conversion fees of 3.5%
• No cashback on fuel spends, EMI transactions on gift cards, and purchase of the gold item.

Swiggy HDFC Credit Card vs Flipkart Axis Credit Card - Which Card to Choose?

Both the Swiggy HDFC Credit Card and the Flipkart Axis Bank Credit Card have their own unique set of benefits. Opting for a card depends on your personal preferences, your lifestyle, and spending patterns. Go in for the Swiggy HDFC Credit Card if you frequently order food or groceries online or dine out, especially on Swiggy, as it will help you maximize the accelerated cashback obtained. If you prefer online shopping over stores and want to maximise the higher value offered on online spends, then opt for this card. Last but not the least, if you want a card which is low priced with a low entry fee and if you prefer to earn direct cashback over reward points, then this card is a very suitable pick for you.

Coming to the Flipkart Axis Bank credit card, opt for it if you are a flipkart loyalist who shops online frequently through Flipkart. Also, if you are new to Swiggy and are looking to obtain the maximum out of welcome benefits, then, this card is worth having. Last but not the least, go in for the Flipkart Axis Credit Card if you want a low annual fee credit card with high cashback benefits on online shopping and if you travel frequently and prefer to make bookings through Cleartrip.