Swiggy HDFC Vs EazyDiner IndusInd Platinum Credit Card

Online food ordering platforms have become a part of our daily lives. Initially, these platforms were used only to order food, but now we can also order groceries and even save money on dining expenses at restaurants. Swiggy and EazyDiner are two of the most popular online food ordering platforms that have co-branded credit cards with HDFC and IndusInd, respectively.

The Swiggy HDFC Credit Card offers a 10% cashback on all spends across the Swiggy app, while the EazyDiner Platinum Credit Card offers discounts on dining experiences across a wide range of restaurants. These two credit card options are among the best in the market for those looking to manage their food-based expenses. The Swiggy Credit Card has a low joining fee of Rs. 500, while the EazyDiner Platinum Card comes with zero joining and annual charges.

Quick Comparison of Both Credit Cards

Features	Swiggy HDFC Credit Card	EazyDiner Platinum Credit Card
Joining/Renewal Fee	Rs. 500 + GST	Lifetime Free
Best Suited For	Groceries, Food Orders and Dining	Dining
Welcome Gifts	3-Month Swiggy One Membership	3-Month EazyDiner Prime Membership and 500 Bonus EazyPoints
Reward Type	Cashback	Reward Point
Rewards Rate	10% Cashback Across Swiggy App, 5% Cashback on Online Spends, 1% Cashback on Other Categories	2 Reward Points/Rs. 100 Spent. 2X EazyPoints on Dining Spends
Golfing Benefits	12 Free Golf Lessons/Year in India (MasterCard World Benefit)	N/A
Travel Benefits	Free Stay and Dine (MasterCard World Benefit)	N/A

About Swiggy HDFC Credit Card

Swiggy and Zomato are considered to be one of the leading online food orddering apps in India. Earlier Zomato also used to have its own credit cards in association with RBL which have since been discontinued. The Swiggy HDFC Credit Card is a decent offering that comes at a low and affordable fee of Rs. 500 and offers 10% cashback across the Swiggy app for ordering food, dining out, and groceries.

What Makes This Card Worth Having?

• Free Swiggy One membership worth ₹1199.
• 10% Cashback on Swiggy spends.
• 5% cashback on online spends across popular platforms like Amazon, Netflix, Myntra, and Flipkart.
• 1% cashback on other spends.
• Monthly savings of Rs. 3,500 and yearly savings of Rs. 42,000 with the Swiggy Card.
• Premium MasterCard World benefits like golf lessons and up to 12% discounts on Agoda.

What Should You Be Aware of?

• The cashback you receive shall be credited to your Swiggy wallet. It shall be received as Swiggy money and can be used across the Swiggy app only.
• There is a limit of cashback earned on 10% and 5% earnings of Rs. 1,500 each.
• The Swiggy One membership is a one-time benefit and shall not be renewed when you pay the second-year annual charges.

Those who already have an HDFC Credit Card can also apply for a Swiggy Credit Card.

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About EazyDiner Platinum Credit Card

IndusInd Bank in association with EazyDiner has now expanded its range of dining credit cards by adding the EazyDiner Platinum Credit Card. Earlier the bank had introduced the rewarding EazyDiner Signature Credit Card. Whereas the Signature Credit Card came with a high joining fee of Rs. 2,000 and offered all-round benefits the EazyDiner Platinum Credit Card is a lifetime offering.

What Makes This Card Worth Having?

• This is a lifetime free offering.
• 20% + 25% discount while paying your dining bill with the EazyDiner Platinum Credit Card
• You would get a 3-month EazyDiner membership worth Rs. 1,095 as a welcome benefit along with 500 bonus EazyPoints.
• By spending Rs. 30,000 in a quarter you can renew your EazyDiner membership.

What Should You Be Aware of?

• The Reward Points have a validity of one year and cannot be redeemed against cash.
• There is a reward redemption fee of Rs. 99 with this credit card.
• The EazyDiner Platinum Credit Card provides exclusive dining benefits with no additional perks.

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Which is the Best Credit Card?

While looking for the best amongst two credit cards it’s best to compare all the benefits and then come to a conclusion. While the EazyDiner Platinum is a great entry-level credit card for dining purposes it simply offers no other benefits. Its also best to keep in mind that this card shall offer the maximum benefit to those who regularly eat out at the partner restaurants. The Swiggy HDFC Credit Card on the other hand has daily utility as it offers discounts on groceries, food orders, and even dining out. Since it is available on the MasterCard World variant you shall also get additional golfing and travel benefits with it. Many users have also reported getting a lifetime free Swiggy HDFC Credit Card offer which makes it the clear winner for all.

For those who are confused between these two cards-

Do You Regularly Dine Out? Go for the EazyDiner Platinum Credit Card.

Do You Regularly Order Food and Groceries from Swiggy and Even Use Swiggy Dineout? Go for the Swiggy HDFC Credit Card.