Axis Flipkart vs HDFC Swiggy
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Swiggy Credit Card wins 2 of 8 dimensions with a CardTrail Score of 8.7/10 vs 8.3/10.
| Feature | Axis Flipkart | HDFC Swiggy |
|---|---|---|
| CardTrail Score | 8.3/10 | 8.7/10 |
| Annual Fee | ₹500 | ₹500 |
| Base Reward Rate | 1.5% | 1% |
| Max Reward Rate | 5% | 10% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 4 | 4 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Axis Flipkart
- You can meet the fee waiver condition: Spend ₹2L/year
- Your primary spend is: online-shopping, cashback, beginner
When to Choose HDFC Swiggy
- You can meet the fee waiver condition: Spend ₹2L/year
- You want higher rewards — up to 10% vs 5%
- Your primary spend is: food-delivery, cashback, beginner
Annual Fee Value Analysis
To break even on Axis Flipkart's ₹500 fee at 1.5% rewards, spend ₹2,778/month.
To break even on HDFC Swiggy's ₹500 fee at 1% rewards, spend ₹4,167/month.