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

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

Which card offers better lounge access?

Axis Bank My Zone Credit Card: 1 per quarter domestic lounge. Swiggy HDFC Bank Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Swiggy HDFC Bank Credit Card has higher base reward value (~1% vs ~0.4%).

Pairwise comparison Compare 3+ cards →

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

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

Lounge Axis Bank My Zone Rewards HDFC Bank Swiggy

Quick comparison

Three core metrics

My Zone Axis Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

Swiggy HDFC Bank

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

Reward earning explained

Per card

My Zone

2 pts / ₹100

Swiggy

1% · Up to 10% on Swiggy

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank My Zone: ₹500 vs HDFC Bank Swiggy: ₹500), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Axis Bank My Zone wins

Axis Bank My Zone is better for lounge access

Axis Bank My Zone is stronger here. Domestic lounge access is 1 per quarter.
Rewards HDFC Bank Swiggy wins

HDFC Bank Swiggy is better for rewards

HDFC Bank Swiggy is stronger here. HDFC Bank Swiggy conservative base value ~1% vs Axis Bank My Zone's ~0.4%.

Axis Bank My Zone

Confidence: Low (limited information available)

Verify with issuer

HDFC Bank Swiggy

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Swiggy HDFC Bank: ~₹500/month at base rate
My Zone: ~₹200/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	My Zone Axis Bank	Swiggy HDFC Bank
Lounge Access
Domestic lounge visits 4/year (1 per quarter) vs No complimentary lounge access	4/year (1 per quarter)	No complimentary lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹500	₹500
Joining fee	₹500	₹500
Fee waiver spend Only available for Swiggy HDFC Bank	Not specified	₹2,00,000
Rewards
Base earn 2 pts / ₹100 vs 1%	2 pts / ₹100	1%
Conservative base value ~0.4% vs ~1%	~0.4%	~1%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹1	₹0.2	₹1
Point validity Only available for Swiggy HDFC Bank	Not specified	2 years

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.