Airtel Axis Bank Credit Card
Rs 500Annual fee
Rs 2,00,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- Domestic lounge access is available only if spends in the previous 3 months are at least Rs 50,000.
- The card offers 4 complimentary domestic airport lounge visits per calendar year subject to the spend condition.
3.5%Forex markup
Best for
airtel, utility bills, food delivery, bigbasket, cashback
Top rewards
Airtel recharges and bill payments via Airtel Thanks App: 25% cashback; Utility bill payments via Airtel Thanks App: 10% cashback; Swiggy and Zomato: 10% cashback
Swiggy HDFC Bank BLCK Credit Card
Rs 1,000Annual fee
0Domestic lounge
3.5%Forex markup
Best for
swiggy, food delivery, online shopping, cashback
Top rewards
Swiggy App transactions (Food delivery, Instamart, Dineout, Genie): 10% Cashback; Select online categories and merchants (Amazon, Flipkart, Myntra, Nykaa, Ola, Uber, etc.): 5% Cashback; Other eligible retail spends: 1% Cashback
| Feature | Airtel Axis Bank Credit Card | Swiggy HDFC Bank BLCK Credit Card |
|---|---|---|
| Issuer | Axis Bank | HDFC Bank |
| Network | Mastercard | Mastercard |
| Joining fee | Rs 500 | Rs 1,000 |
| Annual fee | Rs 500 | Rs 1,000 |
| Fee waiver spend | Rs 2,00,000 | - |
| Reward type | cashback | cashback |
| Best for | airtel, utility bills, food delivery, bigbasket, cashback | swiggy, food delivery, online shopping, cashback |
| Top reward categories | Airtel recharges and bill payments via Airtel Thanks App: 25% cashback; Utility bill payments via Airtel Thanks App: 10% cashback; Swiggy and Zomato: 10% cashback | Swiggy App transactions (Food delivery, Instamart, Dineout, Genie): 10% Cashback; Select online categories and merchants (Amazon, Flipkart, Myntra, Nykaa, Ola, Uber, etc.): 5% Cashback; Other eligible retail spends: 1% Cashback |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 4 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Not listed | Statement credit: upto Rs 1 per point |
| Key exclusions | fuel, rent, wallet loading transactions, EMI transactions, purchases converted to EMI post facto, purchase of jewellery items | Fuel transactions, Rent payments, EMI transactions (including post-facto EMI conversions), Government-related transactions, Jewellery purchases, Prepaid card, gift card, and wallet loads |