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 Ornge HDFC Bank Credit Card offers 5% 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 ₹500 + GST, while the EazyDiner Platinum Card comes with zero joining and annual charges.
Quick Comparison of Both Credit Cards
| Features | Swiggy Ornge HDFC | EazyDiner Platinum |
| Joining/Renewal Fee | ₹500 + GST | Lifetime Free |
| Best Suited For | Groceries, Food Orders, and Dining | Dining |
| Welcome Gifts | Free 12-Month Swiggy One Membership | 3-Month EazyDiner Prime Membership and 500 Bonus EazyPoints |
| Reward Type | Cashback | Reward Point |
| Rewards Rate | 5% Cashback on Swiggy App Spends (Food Delivery, Instamart, Dineout) and Select Online Categories Such as Apparel, Pharmacies, Pet Stores, Personal Care, Electronics, Entertainment, Travel, Discount Stores & Local Cabs; 1% Cashback on Other Eligible Spends | 2 Reward Points/Rs. 100 Spent. 2X EazyPoints on Dining Spends |
| Golfing Benefits | 12 Free Golf Lessons, 4 Free Rounds of Green Fees, and 50% Off on Golf Services | N/A |
About Swiggy Ornge HDFC Bank Credit Card
Swiggy and Zomato are considered to be two of the leading online food ordering apps in India. Earlier, Zomato also used to have its own credit cards in association with RBL, which have since been discontinued. The Swiggy ORNGE HDFC Credit Card is a decent offering with a low fee of Rs. 500 and 5% cashback across the Swiggy app for food, dining out, and groceries.
What Makes This Card Worth Having?
- 5% Cashback on Swiggy App Spends (Food Delivery, Instamart, Dineout) and Select Online Shopping Categories such as Apparel, Pharmacies, Pet Stores, Personal Care, Electronics, Entertainment, Travel, Discount Stores & Local Cabs – Combined Cap of ₹1,500 per billing cycle.
- 1% Cashback on Other Eligible Spends – Up to ₹1,000 per billing cycle
- Additional Partner Offers: Cleartrip – 5% Cashback + 6% Instant Discount on Flights + 19% Instant Discount on Hotels; Nykaa – 5% Cashback + 5% Instant Discount
- Premium MasterCard World benefits, like golf lessons.
What Should You Be Aware of?
- 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.
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. 2,999 and offered all-around 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.
Which is the Best Credit Card?
When choosing between two credit cards, it’s best to compare all the benefits and then reach a conclusion. While the EazyDiner Platinum is a great entry-level credit card for dining purposes, it simply offers no other benefits. It’s 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 will also receive additional golf and travel benefits.
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.