Head-to-head · 🇮🇳 India
AU Bank Zenith vs HDFC Swiggy
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
AU Small Finance Bank
AU Bank Zenith
VISA
Wins 2 of 10
IN
HDFC Bank
HDFC Swiggy
Wins 6 of 10
Verdict
HDFC Swiggy wins 6-2. Heavy Swiggy/Instamart users — 10% on the platform tops anything else. AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | AU Bank Zenith | HDFC Swiggy |
|---|---|---|
| Annual fee | · ₹7,500 | ₹500 |
| Joining fee | · ₹7,500 | ₹500 |
| Top reward rate | = 10% (travel) | = 10% (dining) |
| Base reward rate | 2% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 7,500 reward points + Vistara Premium Economy ticket | = 3-month Swiggy One membership (₹1,499 value) |
| Fee waiver threshold | · ₹800,000 / yr | ₹200,000 / yr |
| Min income | · ₹1,200,000 | ₹360,000 |
| Min credit score | · 780 | 740 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
HDFC Swiggy
- 10% cashback on Swiggy (food, Instamart, Genie, Dineout)
- 5% cashback on online MCC merchants (Amazon, Flipkart, Myntra)
- 1% cashback on other spends
- Cashback auto-credited as Swiggy Money
- 1% fuel surcharge waiver
FAQ
›AU Bank Zenith vs HDFC Swiggy: which is better?
HDFC Swiggy wins on more dimensions (6 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use AU Bank Zenith for its best categories, HDFC Swiggy for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank Zenith: 7,500 reward points + Vistara Premium Economy ticket. HDFC Swiggy: 3-month Swiggy One membership (₹1,499 value).