Airtel Axis Bank Credit Card vs Swiggy BLCK HDFC Bank Credit Card
Axis Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹500
Max Reward25%
HDFC BankScoreGood
Annual Fee₹1,000
Max Reward10%
Airtel Axis Bank Credit Card leads overall with a CardCheck Score of 73/100 (+6 pts over Swiggy BLCK HDFC Bank Credit Card).
4-Pillar Head-to-Head Breakdown
Airtel vs SwiggyReward Power
35%Airtel35/35
Swiggy35/35
Tie (35/35)
Fee Value & ROI
25%Airtel22/25
Swiggy20/25
Airtel Wins
Lounge & Travel
20%Airtel4/20
Swiggy4/20
Tie (4/20)
Forex & Access
20%Airtel12/20
Swiggy8/20
Airtel Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 73Best
- 67
- Rating Verdict
- Very Good
- Good
- Reward Power (35%)
- 35/35
- 35/35
- Fee Value & ROI (25%)
- 22/25
- 20/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- Axis Bank
- HDFC Bank
- Network
- RuPay
- Mastercard
- Card type
- Co-branded
- Co-branded
- Best for
- Airtel subscribers — telecom, broadband & utility cashback
- Heavy Swiggy users: 10% cashback on Swiggy food, Instamart and Dineout
03—Fees
- Joining fee
- ₹500Best
- ₹1,000
- Annual fee
- ₹500Best
- ₹1,000
- Fee waiver
- ₹2,00,000
- ₹2,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 55.55%
- 45%Best
- APR (max)
- 55.55%
- 45%Best
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 25%Best
- 10%
- Points / ₹100
- 1
- —
- Point value
- ₹1
- —
- Monthly cap
- —
- ₹4,000
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- —
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- —
- ₹1,00,000
- Invite only
Rows won
05of 07
02of 07
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 73Best | 67 |
| Rating Verdict | Very Good | Good |
| Reward Power (35%) | 35/35 | 35/35 |
| Fee Value & ROI (25%) | 22/25 | 20/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | HDFC Bank |
| Network | RuPay | Mastercard |
| Card type | Co-branded | Co-branded |
| Best for | Airtel subscribers — telecom, broadband & utility cashback | Heavy Swiggy users: 10% cashback on Swiggy food, Instamart and Dineout |
03—Fees Differences highlighted | ||
| Joining fee | ₹500Best | ₹1,000 |
| Annual fee | ₹500Best | ₹1,000 |
| Fee waiver | ₹2,00,000 | ₹2,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 55.55% | 45%Best |
| APR (max) | 55.55% | 45%Best |
| Late payment fee | ₹1,200Best | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1% | 1% |
| Max rate | 25%Best | 10% |
| Points / ₹100 | 1 | — |
| Point value | ₹1 | — |
| Monthly cap | — | ₹4,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | — |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | — | ₹1,00,000 |
| Invite only | ||
| Rows won | 05of 07 | 02of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Airtel Axis Bank Credit Card | Swiggy BLCK HDFC Bank Credit Card |
|---|---|---|
| CardCheck Score | 73/100Very Good | 67/100Good |
| Annual Fee | ₹500 | ₹1,000 |
| Fee Waiver Spend | ₹2L/yr | ₹2L/yr |
| Max Reward Potential | 25% | 10% |
| Domestic Lounge Access | Check terms | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Airtel Axis Bank Credit Card if:
Your spending centers around airtel subscribers — telecom, broadband & utility cashback and you want direct partner rewards with Axis Bank.
Choose Swiggy BLCK HDFC Bank Credit Card if:
Your spending aligns with heavy swiggy users: 10% cashback on swiggy food, instamart and dineout and you prioritize HDFC Bank's redemption benefits.
Popular Comparisons for Airtel Axis Bank Credit Card
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Popular Comparisons for Swiggy BLCK HDFC Bank Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: Airtel Axis Bank Credit Card vs Swiggy BLCK HDFC Bank Credit Card
- Which is better: Airtel Axis Bank Credit Card or Swiggy BLCK HDFC Bank Credit Card?
- Airtel Axis Bank Credit Card holds a higher overall rating with a CardCheck Score of 73/100 (Very Good) compared to 67/100 (Good) for Swiggy BLCK HDFC Bank Credit Card (a lead of +6 points). Airtel Axis Bank Credit Card gains its scoring lead primarily through forex & terms (12 vs 8) and fee value & ROI (22 vs 20) while tying on reward potential and lounge & travel privileges.
- How do annual fees and fee waiver spend rules compare?
- Airtel Axis Bank Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, Swiggy BLCK HDFC Bank Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between Airtel Axis Bank Credit Card and Swiggy BLCK HDFC Bank Credit Card?
- Airtel Axis Bank Credit Card offers a base reward rate of 1% and up to 25% on accelerated partner categories. Meanwhile, Swiggy BLCK HDFC Bank Credit Card offers a base rate of 1% and up to 10% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Airtel Axis Bank Credit Card or Swiggy BLCK HDFC Bank Credit Card?
- Airtel Axis Bank Credit Card provides no complimentary airport lounge access. On the other hand, Swiggy BLCK HDFC Bank Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- Airtel Axis Bank Credit Card levies a foreign currency markup fee of 3.5%, while Swiggy BLCK HDFC Bank Credit Card charges 3.50%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).