Which card has a lower forex fee: Airtel Axis Bank Credit Card or Swiggy HDFC Bank Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Airtel Axis Bank Credit Card or Swiggy HDFC Bank Credit Card?

Both cards have the same annual fee (₹500).

Which card offers better lounge access?

Airtel Axis Bank Credit Card: No domestic lounge. Swiggy HDFC Bank Credit Card: No domestic lounge.

Which card has a higher base reward rate?

Both cards have similar base reward value (~1%).

Pairwise comparison Add another card →

Axis Bank Airtel vs HDFC Bank Swiggy Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Airtel and the HDFC Bank Swiggy. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

Airtel Axis Bank

Annual fee ₹500 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

Swiggy HDFC Bank

Annual fee ₹500 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

Airtel

1% on General spend

Limited data

Swiggy

1% on General spend

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Airtel: ₹500 vs HDFC Bank Swiggy: ₹500), forex markup (3.5% vs 3.5%), or lounge access (No lounge access vs No lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Airtel: Limited data Swiggy: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 0 visits/year.

Airtel: Limited data Swiggy: Limited data
Rewards Tie

Both cards are similar for rewards

Estimated base reward value is ~1% on base spend.

Airtel: Limited data Swiggy: Limited data
Annual fee Tie

Both cards are similar for fees

Annual fee is ₹500.

Airtel: Limited data Swiggy: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Airtel Axis Bank: ~₹500/month at base rate
Swiggy HDFC Bank: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	Airtel Axis Bank	Swiggy HDFC Bank
Lounge Access
Domestic lounge visits	No lounge access	No lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹500	₹500
Joining fee	₹500	₹500
Fee waiver spend	₹2,00,000	₹2,00,000
Rewards
Points per ₹100	1 pts	1 pts
Point cash value	₹1	₹1

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.