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

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

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

Axis Bank Horizon Credit Card has a lower annual fee (₹0 vs ₹500).

Which card offers better lounge access?

Axis Bank Horizon Credit Card: 4/year domestic lounge (1 per quarter). Swiggy HDFC Bank Credit Card: No domestic lounge.

Which card has a higher base reward rate?

Axis Bank Horizon Credit Card has higher base reward value (~2% vs ~1%).

Pairwise comparison Add another card →

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

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

Lounge Axis Bank Horizon Rewards Axis Bank Horizon Low fee Axis Bank Horizon

Quick comparison

Three core metrics

Horizon Axis Bank

Annual fee ₹0 Lifetime free
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter)

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

Horizon

2 pts / ₹100 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 Horizon: ₹0 vs HDFC Bank Swiggy: ₹500), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Horizon: Limited data Swiggy: Limited data
Lounge access Axis Bank Horizon wins

Axis Bank Horizon is better for lounge access

Axis Bank Horizon is stronger here. Domestic lounge access is 4/year (1 per quarter).

Horizon: Limited data Swiggy: Limited data
Rewards Axis Bank Horizon wins

Axis Bank Horizon is better for rewards

Axis Bank Horizon is stronger here. Estimated base reward value is ~2% on base spend.

Horizon: Limited data Swiggy: Limited data
Annual fee Axis Bank Horizon wins

Axis Bank Horizon is better for fees

Axis Bank Horizon is stronger here. Annual fee is ₹0.

Horizon: 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:

Horizon: ~₹1,000/month at base rate
Swiggy HDFC Bank: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	Horizon Axis Bank	Swiggy HDFC Bank
Lounge Access
Domestic lounge visits 4/year (1 per quarter) vs No lounge access	4/year (1 per quarter)	No lounge access
International lounge visits Only available for Horizon	8/year	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹0 vs ₹500	₹0	₹500
Joining fee ₹0 vs ₹500	₹0	₹500
Fee waiver spend Only available for Swiggy HDFC Bank	Not specified	₹2,00,000
Rewards
Points per ₹100 2 pts vs 1 pts	2 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.