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Swiggy HDFC Bank Credit Card Apply Now	Flipkart Axis Bank Credit Card Apply Now	Airtel Axis Bank Credit Card Apply Now	Standard Chartered EaseMyTrip Credit Card Apply Now	SBI SimplySAVE UPI Rupay Credit Card Apply Now	IDFC FIRST WoW Credit Card Apply Now	Axis My Zone Credit Card Apply Now	AU Bank Xcite Ace Credit Card Apply Now	Myntra Kotak Credit Card Apply Now	HSBC Visa Platinum Credit Card Apply Now
Joining Fee Rs. 500 + GST	Joining Fee Rs. 500 + GST	Joining Fee Rs. 500 + GST	Joining Fee Rs. 350 + GST	Joining Fee Rs. 499 + GST	Joining Fee Nil	Joining Fee Rs. 500 + GST	Joining Fee Nil	Joining Fee Nil	Joining Fee Nil
Rewards and Benefits
Welcome Benefits Complimentary 3-Month Swiggy One Membership	Welcome Benefits Introductory Benefits Worth Rs. 600 on Card Issuance	Welcome Benefits Amazon Voucher Worth Rs. 500	Welcome Benefits NA	Welcome Benefits Receive 2,000 Reward Points on the expenditure of the same amount within the first 60 days of card issuance.	Welcome Benefits N/A	Welcome Benefits Free SonyLiv Subscription Worth Rs. 999	Welcome Benefits NA	Welcome Benefits Myntra voucher worth Rs. 500 on making 1 transaction above Rs. 500 inside 30 days of card issuance	Welcome Benefits Amazon Voucher worth Rs. 500, 3 complimentary lounge access/3 meal vouchers, 50% discount (up to Rs.100) on the first transaction on google pay, and 10% cashback (upto Rs. 2,000).
Rewards Rate 10% Cashback across Swiggy app, 5% Cashback on online spends, 1% Cashback on other categories	Rewards Rate 5% cashback on Flipkart, 4% cashback on preferred partners (Swiggy, Uber, PVR, and cult.fit), and 1% cashback on all other spends.	Rewards Rate 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH recharges, 10% cashback on utility bill payments via the Airtel Thanks app, 10% cashback on Swiggy, Zomato and BigBasket, and 1% cashback on other spends.	Rewards Rate 2 Reward Points every Rs. 100 spend on retail purchases, and 10x Rewards on booking tickets at standalone hotels, apps, or websites.	Rewards Rate 1 Reward Point for Rs. 150 spent (reward rate = 0.25%), 10X RPs for spends made in movies, grocery, dining, & departmental stores (reward rate = 2.5%)	Rewards Rate Earn 4X (4RP) Reward Points on every Rs. 150 spent	Rewards Rate 4 EDGE Points/₹200 (Reward Rate of 0.4%)	Rewards Rate 1% cashback on monthly spends of Rs. 7,500, 2% cashback on monthly spends of Rs. 12,500, and 3% cashback on monthly spends of Rs. 20,000.	Rewards Rate 7.5% discount on Myntra spends, 5% cashback on partner brands, 1.25% cash back on other spends	Rewards Rate For every Rs. 150 spent using this credit card, the cardholders will get 2 Reward Points.
Movie & Dining 10% Cashback on Swiggy app including food orders, Instamart, Dineout, and more	Movie & Dining Up to 15% off at partner restaurants under Axis Bank's exclusive Dining Delights program	Movie & Dining Up to 20% off on dining across 4000+ participating restaurants.	Movie & Dining NA	Movie & Dining 10X Reward Points on movie and dining spends	Movie & Dining 50% Discount Up to Rs. 300 on Movie Ticket Bookings (Visa Infinite)	Movie & Dining BOGO offer on movie ticket bookings via Paytm Movies, up to 15% off at partner restaurants with Dining Delights & flat Rs 120 off on food orders with Swiggy.	Movie & Dining Up to 30% discount on dining across more than 300 restaurants.	Movie & Dining 5% cashback on Swiggy, 2 complimentary PVR tickets on spends of Rs. 50,000 per quarter	Movie & Dining Get a “Buy 1 Get 1” offer on booking movie tickets through BookMyShow on Saturdays.
Reward Redemption Cashback will be automatically redeemed in the form of Swiggy Money	Reward Redemption	Reward Redemption Direct cashback to the credit card statement.	Reward Redemption 1 Reward Point = Re. 0.25 for redemption against various categories at the 360-degree rewards portal.	Reward Redemption Redeem points earned for gift vouchers on sbicard.com or SBI mobile app. Also, for paying the card’s outstanding balance. (1 Reward Point = Rs. 0.25)	Reward Redemption Use Reward Points to instantly pay for online or in-store purchases. 1 Reward point = Rs. 0.25	Reward Redemption EDGE Points earned on the card are redeemable against shopping/travel vouchers or for purchasing products on the Axis Bank EDGE Rewards Portal	Reward Redemption The earned cashback is directly credited to your accounts.	Reward Redemption Cashback is automatically credited to the card statement	Reward Redemption Redeem your reward points for gift vouchers, cosmetics, home appliances, donations, etc. 1 RP = up to Rs. 0.37
Travel Upto 5% cashback on merchants like Uber and Ola	Travel Accelerated Cashback (4%) on Uber Rides	Travel Complimentary domestic lounge access.	Travel Get complimentary domestic & international lounge access, and a 20% discount on hotel bookings & 10% discount on flight bookings via EaseMyTrip.	Travel N/A	Travel NA	Travel N/A	Travel Complimentary airport and railway lounge access every year.	Travel Complimentary lounge access	Travel NA
Golf NA	Golf	Golf NA	Golf NA	Golf N/A	Golf NA	Golf N/A	Golf NA	Golf NA	Golf NA
Domestic Lounge NA	Domestic Lounge 1 Free Domestic Airport Lounge Access Every Quarter (4 Each Year)	Domestic Lounge 4 complimentary domestic lounge access every year.	Domestic Lounge 1 free domestic lounge access each quarter	Domestic Lounge N/A	Domestic Lounge NA	Domestic Lounge 1 Complimentary Lounge Access Every Quarter (4 Each Year)	Domestic Lounge 2 complimentary domestic airport lounge access every quarter.	Domestic Lounge 1 complimentary lounge access per quarter	Domestic Lounge NA
International Lounge NA	International Lounge	International Lounge NA	International Lounge 2 free international lounge access per year.	International Lounge N/A	International Lounge NA	International Lounge N/A	International Lounge NA	International Lounge NA	International Lounge NA
Insurance Benefits NA	Insurance Benefits	Insurance Benefits NA	Insurance Benefits NA	Insurance Benefits N/A	Insurance Benefits Personal Accident, Card Liability cover and many more.	Insurance Benefits N/A	Insurance Benefits Personal accident cover worth Rs. 50 lakhs, card liability cover worth Rs. 2 lakhs, and purchase protection worth up to Rs. 25,000	Insurance Benefits NA	Insurance Benefits NA
Zero Liability Protection Cardholder will not be liable for any fraudulent transaction made with the card in case of timely reporting to the bank about loss or theft of card	Zero Liability Protection Cardmembers are not liable for any unauthorized spends made on their card if loss of card reported within 3 days.	Zero Liability Protection You will not be liable for any fraudulent transactions made on a lost/stolen card if the loss is reported to the bank in a timely manner.	Zero Liability Protection The cardholders are not liable for any unauthorized/fraudulent transactions made on a lost/stolen card if the loss is reported to the bank in a timely manner.	Zero Liability Protection On reporting the loss of the card to the bank within the stipulated time, the card holder will not be liable for any transaction done on the card.	Zero Liability Protection You will not be liable for any fraudulent transactions made on your card if the loss is reported to the bank in a timely manner.	Zero Liability Protection Cardholder not liable for any fraudulent transaction made with the card post reporting the loss of card to the bank.	Zero Liability Protection The cardholders are not liable for any fraudulent transactions made on a lost/stolen card if the loss is reported to the bank in a timely manner.	Zero Liability Protection Protection against fraudulent transaction if the theft or loss is reported to the bank in a timely manner	Zero Liability Protection Zero liability protection up to Rs. 3,00,000 in case of fraud or loss of card.
Fees & Charges

Renewal Fee Rs. 500 + GST	Renewal Fee Rs. 500 + GST	Renewal Fee Rs. 500 + GST	Renewal Fee Rs. 350 + GST	Renewal Fee Rs. 499 + GST	Renewal Fee Nil	Renewal Fee Rs. 500 + GST	Renewal Fee Nil	Renewal Fee Nil	Renewal Fee Nil
Spend Based Waiver Renewal fee waiver on spending Rs. 2 Lakhs in the year	Spend Based Waiver Annual fee waived on spends of Rs. 3.5 lakhs	Spend Based Waiver The annual fee is waived off on spending Rs. 2 lakhs or more in the previous year.	Spend Based Waiver The renewal fee is waived on spending Rs. 50,000 or more in a year	Spend Based Waiver Renewal fee can be waived by spending Rs. 1 lakh in a card anniversary year	Spend Based Waiver NA	Spend Based Waiver N/A	Spend Based Waiver NA	Spend Based Waiver Rs. 2 Lakhs in the previous year	Spend Based Waiver NA
Rewards Redemption Fee Nil	Rewards Redemption Fee NA	Rewards Redemption Fee Nil	Rewards Redemption Fee Rs. 99	Rewards Redemption Fee Rs. 99 (plus applicable taxes) per redemption request	Rewards Redemption Fee Rs. 99 + GST	Rewards Redemption Fee Nil	Rewards Redemption Fee Nil	Rewards Redemption Fee Nil	Rewards Redemption Fee Nil
Foreign Currency Markup 3.5% of the total amount	Foreign Currency Markup 3.5% of the total amount	Foreign Currency Markup 3.5% of the total transaction amount.	Foreign Currency Markup 3.5% of the transaction amount	Foreign Currency Markup 3.5% of the transaction amount	Foreign Currency Markup Zero	Foreign Currency Markup 3.5% of the transaction amount	Foreign Currency Markup 3.49% of the total amount	Foreign Currency Markup 3.5%	Foreign Currency Markup 3.50% on all international spends
Interest Rates 3.6% per month or 43.2% per annum	Interest Rates 3.6% per month (52.86% annually)	Interest Rates 3.6% per month	Interest Rates 3.75% per month	Interest Rates 3.50% per month (or 42% annually)	Interest Rates 0.75% - 3.5% p.m. (9% - 42% p.a.)	Interest Rates 3.6% per month (52.86% per annum)	Interest Rates 3.49% per month	Interest Rates 3.7% per month or 44.4% per annum	Interest Rates 3.49% p.m. (41.88% p. a.)
Fuel Surcharge NA	Fuel Surcharge 1% surcharge for fuel purchases between Rs. 400 & Rs. 4,000 (max waiver capped at Rs. 400/month).	Fuel Surcharge 1% fuel surcharge waiver on all transactions between Rs. 400 and Rs. 4,000.	Fuel Surcharge 1% fuel surcharge is applicable on all authorized fuel purchases.	Fuel Surcharge 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 (capped at Rs. 100 per month)	Fuel Surcharge 1% fuel surcharge waiver (up to Rs. 200 per statement cycle)	Fuel Surcharge 1% fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 4,000 (max waiver capped at Rs. 400 per month)	Fuel Surcharge 1% fuel surcharge waver on all fuel purchases, up to Rs. 250 per month.	Fuel Surcharge 1% fuel surcharge waiver	Fuel Surcharge 1% fuel surcharge waiver at all fuel stations in India.
Cash Advance Charges 2.5% of the amount or Rs. 500, whichever is higher	Cash Advance Charges 2.5% (Min. Rs. 500) of the withdrawn amount.	Cash Advance Charges 2.5% of the withdrawn amount or Rs. 500 (whichever is higher)	Cash Advance Charges 3% of the withdrawn cash amount or Rs. 300 (whichever is higher)	Cash Advance Charges 2.5% of the amount withdrawn or Rs. 500 (whichever is higher)	Cash Advance Charges Rs. 199	Cash Advance Charges 2.5% of the withdrawal amount subject to a minimum charge of Rs. 500	Cash Advance Charges 2.5% of the withdrawn amount, subject to a minimum fee of Rs. 100	Cash Advance Charges Max 2% of the amount or Rs. 500 per R. 10,000	Cash Advance Charges 2.5% of the advance amount or Rs. 500, whichever is higher.
Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Rs. 350	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Rs. 299	Add-on Card Fee Nil

Swiggy HDFC Bank Credit Card

Flipkart Axis Bank Credit Card

Airtel Axis Bank Credit Card

Standard Chartered EaseMyTrip Credit Card

SBI SimplySAVE UPI Rupay Credit Card

IDFC FIRST WoW Credit Card

Axis My Zone Credit Card

AU Bank Xcite Ace Credit Card

Myntra Kotak Credit Card

HSBC Visa Platinum Credit Card

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