Side-by-side · honest numbers
AU Zenith Credit Card vs Axis Bank Airtel Credit Card vs Swiggy HDFC Bank Credit Card
Honest side-by-side comparison of AU Zenith Credit Card, Axis Bank Airtel Credit Card, Swiggy HDFC Bank Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Swiggy HDFC Bank Credit Card ranks first for estimated net annual value — ahead of Axis Bank Airtel Credit Card by about ₹4,080/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | Axis Bank Airtel Credit Card Axis Bank | Swiggy HDFC Bank Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹500 | ₹500 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹75,000/mo | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | ₹8,070/yr | ₹12,150/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Dining & delivery | — | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | 10% cashback → ₹400/mo (₹4,800/yr) |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Utilities & bills | — | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — |
| Top reward rate | 3X points/₹150 | 25% | 10% |
| Primary reward cap | No monthly cap published | ₹250 rewards/mo cap | ₹1,500 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank Airtel Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Airtel Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
AU Zenith Credit Card
AU Small Finance Bank
Axis Bank Airtel Credit Card
Axis Bank
Swiggy HDFC Bank Credit Card
HDFC Bank
Your adjusted comparison
| Feature | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | Axis BankGold Axis Bank Airtel Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Airtel Credit Card Top reward25% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank Airtel Credit Card Axis Bank | HDFC BankGold Swiggy HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Swiggy HDFC Bank Credit Card Top reward10% Annual fee₹500 Min income₹25,000/mo Tap to flip back Swiggy HDFC Bank Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹500 | ₹500 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹75,000/mo | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | ₹8,070/yr | ₹12,150/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Dining & delivery | — | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | 10% cashback → ₹400/mo (₹4,800/yr) |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Utilities & bills | — | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — |
| Top reward rate | 3X points/₹150 | 25% | 10% |
| Primary reward cap | No monthly cap published | ₹250 rewards/mo cap | ₹1,500 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | — | — | — |
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