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.

Side-by-side · honest numbers

Axis Bank Airtel Credit Card vs Swiggy HDFC Bank Credit Card

Honest side-by-side comparison of 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 leads Axis Bank Airtel Credit Card by about ₹4,080/yr in estimated net value.

Axis Bank Airtel Credit Card vs Swiggy HDFC Bank Credit Card comparison table
Feature	Axis Bank Airtel Credit Card Axis Bank	Swiggy HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹500	₹500
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹20,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹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)
Utilities & bills	25% cashback → ₹250/mo (₹3,000/yr) (cap hit)	—
Top reward rate	25%	10%
Primary reward cap	₹250 rewards/mo cap	₹1,500 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	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.

Card 1

Axis Bank Airtel Credit Card

Axis Bank

Card 2

Swiggy HDFC Bank Credit Card

HDFC Bank

Your adjusted comparison

Feature	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	₹500	₹500
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹2,00,000/yr spend
Min income	₹20,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹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)
Utilities & bills	25% cashback → ₹250/mo (₹3,000/yr) (cap hit)	—
Top reward rate	25%	10%
Primary reward cap	₹250 rewards/mo cap	₹1,500 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet · Government	EMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus	—	—

Axis Bank Airtel Credit Card details →Swiggy HDFC Bank Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Axis Bank Airtel Credit Card comparisons