HDFC Swiggy Credit Card vs Airtel Axis Bank Credit Card: Which Is Better for Swiggy Orders in 2025?
Ordering food online is no longer a luxury — it’s a daily routine. If you’re someone who uses Swiggy frequently, you can save thousands per year just by using the right credit card.
Two of the top choices in 2025 are the HDFC Swiggy Credit Card and the Airtel Axis Bank Credit Card. But which one gives you better value?
Let’s break it down in this detailed comparison.
CardMela Quick Comparison
| Feature | HDFC Swiggy Credit Card | Airtel Axis Bank Credit Card |
|---|---|---|
| Swiggy Cashback | 10% (via PayZapp only) | 10% direct cashback |
| Minimum Order | ₹100 required | No strict minimum |
| Cashback Cap | ₹1500/month | ₹500/month |
| Other Benefits | 5% on Zomato, Blinkit | 10% on Zomato, BigBasket, UrbanCompany |
| Lounge Access | None | 4 domestic visits/year |
| Annual Fee | ₹500 + GST | ₹500 + GST |
| Annual Fee Waiver | ₹2L annual spend | ₹2L annual spend |
Swiggy Cashback in Detail
HDFC Swiggy Credit Card
- You must pay via PayZapp to get the 10% cashback
- You need to activate the offer in the PayZapp app before placing the order
- Cashback is credited as a statement credit in up to 90 days
- No cashback for orders below ₹100
Apply Now for HDFC Swiggy Credit Card
Apply Now
Airtel Axis Bank Credit Card
- Cashback applies automatically on Swiggy food orders
- No separate activation or wallet required
- Cashback is credited automatically within 90 days
- Only food delivery is eligible (not Instamart or Genie)
Apply Now for Airtel Axis Bank Credit Card
Apply Now
Real-World Usage Insights
- HDFC Swiggy Credit Card is good only if you’re okay with using PayZapp regularly and placing higher-value orders
- Airtel Axis Credit Card is more straightforward — no wallet, no activation, no confusion
- Cashback is more reliable and trackable with the Airtel Axis Card
- Airtel Axis offers lounge access and wider merchant coverage beyond Swiggy
What Are the Limitations?
HDFC Swiggy Card
- Limited to PayZapp payments only
- Cashback sometimes fails to track
- Requires order value above ₹100
Airtel Axis Card
- Cashback not available on Instamart or Genie
- Lower cashback cap (₹500/month)
Which Card Should You Choose?
| Use Case | Best Card | Apply |
|---|---|---|
| Simple cashback experience | Airtel Axis Bank Credit Card | Apply Now |
| Higher cashback cap for heavy Swiggy users | HDFC Swiggy Credit Card | Apply Now |
| Additional benefits like lounge access, 10% Zomato, BigBasket, etc. | Airtel Axis Bank Credit Card | Apply Now |
| If you’re already using PayZapp | HDFC Swiggy Credit Card | Apply Now |
Other Smart Alternatives
- AU LIT Credit Card – Customize your 10% cashback category to Swiggy
- Axis Ace Credit Card – Great all-rounder with 5% on utility payments via Google Pay
- ICICI Amazon Pay Card – Use Amazon vouchers for Swiggy purchases indirectly
Final Verdict
For most users, the Airtel Axis Bank Credit Card offers better value. It’s easy to use, tracks cashback reliably, and provides additional benefits like lounge access and cashback on other apps.
However, if you’re a power user of Swiggy and don’t mind using PayZapp, the HDFC Swiggy Credit Card can save you more due to its higher cashback cap.
Still confused? Get personalized recommendations only at Cardmela.
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