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Credit CardsComparisons

Axis Bank Cashback Credit Card vs Swiggy ORNGE HDFC Bank Credit Card

A head-to-head comparison of Axis Bank Cashback Credit Card and Swiggy ORNGE HDFC Bank Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

CashbackCard A

Axis Bank Cashback Credit Card

Heavy Online Spenders

Annual Fee
₹1,000
Reward Rate
Up to 7% Tiered
Apply Now Read full review →
CashbackCard B
Annual Fee
₹500
Reward Rate
5% on Swiggy + Online
Apply Now Read full review →

Feature comparison

FeatureAxis BankSwiggy ORNGE
Annual Fee₹1,000 (Waived on ₹4L spend)₹500 (Waived on ₹1.5L spend)
Reward RateUp to 7% Tiered5% on Swiggy + Online
Best ForHeavy Online SpendersCasual Swiggy Users
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAxis BankSwiggy ORNGE
Online shopping
Dining

Quick verdict

Choose Axis Bank Cashback Credit Card if:

    Choose Swiggy ORNGE HDFC Bank Credit Card if:

    • Lower annual fee (₹500 vs ₹1,000)
    • You spend heavily on dining
    • This is your first credit card

    Full pros & cons

    Axis Bank Cashback Credit Card

    What's good
    • Up to 7% cashback on high-volume online spends
    • Base 0.75% cashback on offline and travel spends
    • 0.5% cashback on utility bill payments
    Watch out for
    • Very high ₹4L spend requirement for annual fee waiver
    • Complex tiered structure (requires spending ₹40K+ to unlock 7%)
    • No lounge access
    Apply Now

    Swiggy ORNGE HDFC Bank Credit Card

    What's good
    • 5% cashback on Swiggy (food, Instamart, Dineout) + 50+ online merchants including Amazon, Flipkart, Myntra, Nykaa, Cleartrip — combined cap of ₹1,500/month (min ₹249/txn)
    • Complimentary 12-month Swiggy One membership on activation (worth more than the ₹500 fee)
    • Additional 10% off on Swiggy Dineout during birthday week
    Watch out for
    • No 10% Swiggy cashback — only the BLCK variant gets that rate
    • 1% cashback on non-category spends capped at ₹1,000/month
    • No lounge access or travel perks
    Apply Now
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