Swiggy HDFC vs. Axis Pride Platinum: Which Credit Card Is Best for Dining, and Which Offers Higher Rewards and Cashback?

Looking to get a credit card but unsure which one to choose? There is no need to worry; today, we are going to tell you about two credit cards that offer a plethora of benefits. In this article, we will discuss credit cards designed for dining and shopping—cards that not only offer cashback but are also budget-friendly. Let's take a closer look at the Swiggy HDFC Bank Credit Card and the Axis Bank Pride Platinum Credit Card.

**Differences in Annual and Joining Fees**
There is a significant difference between the annual and joining fees of these two cards. The Swiggy HDFC Bank Credit Card has a joining fee of ₹500, which also serves as its annual fee. In contrast, the Axis Bank Pride Platinum Credit Card offers a bit of relief, as there is no joining fee required, and the annual fee is a mere ₹250.

However, if you spend ₹2 lakh or more annually using the Swiggy HDFC Bank Credit Card, you will be exempted from paying the annual or renewal fee. No such waiver applies to the Axis Bank Pride Platinum Credit Card. Both cards can be used for dining purposes; however, the Swiggy HDFC Bank Credit Card offers cashback, whereas the Axis Bank Pride Platinum Credit Card provides rewards.

**Which Card Offers the Most Benefits?**
Upon opting for the Axis Bank Pride Platinum Credit Card, you receive a joining gift. The Swiggy HDFC Bank Credit Card, on the other hand, grants you a complimentary 3-month Swiggy One membership—valued at ₹1,199—upon card activation.

Furthermore, if you use the Swiggy HDFC Bank Credit Card, Swiggy offers you 10% cashback every month. This cashback is capped at a maximum of ₹1,500 per month and is applicable across all Swiggy services: Swiggy Food, Dineout, Instamart, and Swiggy Genie. On the other hand, if you use the Axis Bank Pride Platinum Credit Card, you will earn 4 Reward Points for every ₹200 spent (where 1 Reward Point is equivalent to ₹0.20).

The Swiggy HDFC Bank Credit Card offers you 5% cashback on online shopping every month, capped at a maximum of ₹1,500. Additionally, this card provides 1% cashback on shopping done at other outlets, capped at a maximum of ₹500. Furthermore, the accumulated cashback on this card can be redeemed against your outstanding balance.

In contrast, the Axis Bank Pride Platinum Credit Card does not offer any specific cashback benefits. However, the earned Reward Points can be redeemed through the EDGE Rewards Catalogue. Neither of these cards offers lounge access facilities.

What are the downsides of both cards?
Swiggy HDFC Bank Credit Card:
Cashback capped at ₹3,500 across all types of spending.
No complimentary lounge access facility.
No cashback on Swiggy Money Wallet, Swiggy Minis, or Liquor purchases.
Axis Bank Pride Platinum Credit Card:
No extra rewards on general spending.
No discounts on categories other than dining.
No complimentary lounge access facility.

Which card should you choose?
If you shop online frequently—whether daily or most of the time—order food from Swiggy, order household essentials online, or utilize Swiggy Dining, then the Swiggy HDFC Bank Credit Card is the better option for you. However, if you are a defense personnel or an employee of the Government of India, you may opt for the Axis Bank Pride Platinum Credit Card, as it features a unique design inspired by the colors of the Indian Tricolor.

Disclaimer: This content has been sourced and edited from News18 Hindi. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.