Head-to-head · 🇮🇳 India
HDFC Swiggy vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Swiggy
Wins 2 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 3 of 10
Verdict
Axis MyZone wins 3-2. Entry-tier with strong entertainment partnerships. HDFC Swiggy is still the right call if heavy swiggy/instamart users — 10% on the platform tops anything else..
Side-by-side
| Criterion | HDFC Swiggy | Axis MyZone |
|---|---|---|
| Annual fee | = ₹500 | = ₹500 |
| Joining fee | = ₹500 | = ₹500 |
| Top reward rate | 10% (dining) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 3-month Swiggy One membership (₹1,499 value) | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · ₹200,000 / yr | ₹100,000 / yr |
| Min income | · ₹360,000 | ₹240,000 |
| Min credit score | · 740 | 720 |
| Editorial rating | 4.5/5 | · 4/5 |
Benefits compared
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
Axis MyZone
- Buy-1-get-1 BookMyShow tickets up to ₹500/transaction
- 40% off on Swiggy (capped ₹120)
- Sony LIV / Eros Now annual subscription
- 4 reward points per ₹200
- 1% fuel surcharge waiver
FAQ
›HDFC Swiggy vs Axis MyZone: which is better?
Axis MyZone wins on more dimensions (3 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 HDFC Swiggy for its best categories, Axis MyZone for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Swiggy: 3-month Swiggy One membership (₹1,499 value). Axis MyZone: ₹500 SonyLIV / Eros Now subscription.