Airtel Axis Bank Credit Card vs HDFC Swiggy Credit Card- Best Credit Card For Bachelors
- Vaani Shrivastava
- May 22, 2024
- 7 min read
Updated: 7 days ago
Airtel Axis Bank Credit Card vs HDFC Swiggy Credit Card
In today’s fast-paced, digitised world, credit cards have evolved beyond simple payment tools to offer customised benefits tailored to individual lifestyles and preferences. The comparison of Airtel Axis Bank Credit Card vs HDFC Swiggy Credit Card highlights two of the most consumer-focused products in the Indian market. Both cards are designed to cater to specific spending habits, offering differentiated rewards and benefits that enhance the overall customer experience in unique ways.
The Airtel Axis Bank Credit Card is a blessing for digital natives, especially those who are deeply rooted in the Airtel ecosystem. This card comes with outstanding rewards on Airtel services, such as a cashback when paying utility bills, special discounts on Airtel digital service and other incentives on Internet transactions. It is targeted at the consumer who is willing to optimise their expenditure on daily digital services and telecommunications.
Conversely, the HDFC Swiggy Credit Card is positioned to appeal to all food lovers and regular Swiggy customers, the top food delivery service in India. This card offers great cashbacks on Swiggy or other orders, and other benefits, such as discounts on meals and points on grocery spending. It is the perfect choice for people who value convenience and saving on their food-related costs.
In the following blog entry, we will engage in a comparative study of the two credit cards, delving into their main characteristics, advantages, and possible disadvantages so that you can decide which credit card best fits your lifestyle and spending habits.
Comparing Airtel Axis Bank Credit Card and HDFC Swiggy Credit Card
Among the competitive credit card market in the credit card industry, Airtel Axis Bank Credit Card and HDFC Swiggy Credit Card are distinguished by their individual services and advantages that are offered depending on the needs of a particular consumer. This paper is a comparative analysis of the two products in detail, but in terms of their features, advantages and how they suit various categories of users.
Airtel Axis Bank Credit Card: A Telecom-Centric Financial Tool
The Airtel Axis Bank Credit Card is a co-branded card that is jointly developed in partnership with Bharti Airtel and aimed at customers who are frequent customers in Airtel operations. The card has a variety of cashbacks and rewards with a yearly subscription of 500 rupees, especially on the Airtel related spending.
Key Features:
Cashback Benefits: Cardholders will receive a 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH bill payment via the Airtel Thanks app, as well as 10% cashback on utility bills payment and spending on Swiggy, Zomato, and BigBasket and a 1% cashback on all other spends.
Complimentary Lounge Access: The card provides four complimentary lounge visits to select airport lounges within India per calendar year, subject to a minimum spend of INR 50,000 in the previous three months.
Fuel Surcharge Waiver: A 1% fuel surcharge waiver is available on fuel purchases across India, with certain conditions applied.
Dining Discounts: Up to 15% off at partner restaurants in India.
Welcome Offer: Welcome advantage is an Amazon e-voucher of Rs.500 on the initial transaction at any point during the 30 days following the issue of the card.
HDFC Swiggy Credit Card: A Foodie's Financial Companion
Instead, the HDFC Swiggy Credit Card is one of the products that are oriented to the needs of those people who often place their orders online. It is the partnership between HDFC Bank and Swiggy that provides the Swiggy cashback in the Swiggy app or other online expenses.
Key Features:
Cashback Rewards: The card will make a 10% cashback on spends done on the Swiggy app (Food ordering, Instamart, Dineout and Genie) and 5% cashback on other online spends across various Merchant Category Codes (MCCs). In other categories, there is 1% cashback as well.
Free Swiggy One Membership: With the card activated, cardholders are offered a three-month free Swiggy One membership, which offers such benefits as free delivery and special discounts on the services of certain restaurants.
Zero Lost Card Liability: Provides coverage against fraudulent usage in case the card has been lost and reported immediately.
Interest-Free Credit Period: The customers have a period of up to 50 days of interest-free credit upon purchase.
the The welcome benefit includes a complimentary Swiggy One Membership for three months.
Which Card to Choose?
The decision between Airtel Axis Bank Credit Card and the HDFC Swiggy Credit Card will be based on the spending habits and preferences of the user.
To the Airtel Users: In case you are an active user of the Airtel services and you want to get the most out of your telecommunication-based expenses, the Airtel Axis Bank Credit Card would be the option that would suit you better.
As a Food Enthusiast: When you spend mostly on food delivery and dining, the HDFC Swiggy Credit Card may prove to be of more use, as it provides a Swiggy spends cashback offer and a free Swiggy One membership.
The two cards have unique benefits and can be a useful financial instrument when applied in accordance with the lifestyle and spending habits of the cardholder. Before deciding, the prospective users are expected to look at their own needs, weigh the benefits and review the terms and conditions. The preferred credit card can accumulate a lot of savings and make the process more fulfilling.
Conclusion
Airtel Axis Bank Credit Card and HDFC Swiggy Credit Card focus on consumers with their different requirements. The Airtel Axis Card is bright with its high cashback on Airtel services and payment of utility bills, and attracts Airtel users and people who value cashback on vital services. Conversely, the HDFC Swiggy Credit Card is a blessing to food lovers, where they can earn high cashback in Swiggy orders and other online purchases. Although the two cards provide cashback in Swiggy, the Airtel Axis Card also has the same in other websites such as Zomato and BigBasket, making it more versatile. Nonetheless, some unique Swiggy perks of the HDFC card, including the free Swiggy One membership, can be especially attractive to those who use Swiggy regularly. Finally, one should choose between the two cards according to personal spending behaviour and the weight attached to particular advantages that each of the cards provides. Clients who want to have a wider range of cashback options can be inclined to use the Airtel Axis Card, whereas regular Swiggy users might be interested in the HDFC card. Whichever decision is made, both cards indicate the increasing trend of customised credit card benefits that will be used to increase customer loyalty and experience in the spending process.
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FAQs
Airtel Axis Bank Credit Card
Q: What are the benefits of the Airtel Axis Bank Credit Card?
This card offers benefits like cashback on Airtel recharges, bill payments, and purchases at partner stores. You might also get reward points, airport lounge access (depending on variant), and fuel surcharge waivers.
Q: Who is eligible for the Airtel Axis Bank Credit Card?
Typically, you'll need to be an Indian citizen between 18-70 years old with a good credit score and income to qualify. Check the official website for detailed eligibility criteria.
Q: How do I apply for the Airtel Thanks App?
You don't necessarily need the Airtel Thanks App to apply. You can apply online on the Airtel website https://www.airtel.in/finance/credit-card or Axis Bank website https://www.axisbank.com/retail/cards/credit-card/airtel-axis-bank-credit-card.
Q: What are the fees associated with the Airtel Axis Bank Credit Card?
There's usually an annual fee and charges for late payments or exceeding the credit limit. Check the fee schedule on the Axis Bank website for exact details.
Q: How do I earn cashback with the Airtel Axis Bank Credit Card?
Cashback is typically earned on specific categories like Airtel recharges, bill payments, and partner stores. Refer to the reward program details for specific rates and exclusions.
Q: Is there a minimum spending requirement to earn rewards?
Yes, there might be a minimum monthly spending requirement to be eligible for cashback or reward points. Check the program details for exact amounts.
Q: How do I check my credit card balance and statement?
You can access your online banking account on the Axis Bank website or mobile app to view your statement and current balance.
Q: What happens if I lose my Airtel Axis Bank Credit Card?
Immediately report a lost or stolen card to Axis Bank to block unauthorized transactions. You can do this through their website, mobile app, or customer care hotline.
Q: Can I add supplementary cards to my Airtel Axis Bank Credit Card account?
Yes, you might be able to request additional cards for family members. Contact Axis Bank for details and eligibility requirements for supplementary cards.
Q: How do I make a credit card payment for my Airtel Axis Bank Credit Card?
You can make payments online through the Axis Bank website or app, via NEFT/RTGS, or at any Axis Bank branch.
HDFC Swiggy Credit Card
Q: What are the key benefits of the HDFC Swiggy Credit Card?
Earn 10% cashback on Swiggy app transactions (Food ordering, Instamart, Dineout & Genie) up to Rs. 1500 per month.
Get 5% cashback on various online categories like apparels, electronics, and departmental stores, up to Rs. 1500 per month.
Enjoy complimentary Swiggy One membership for 3 months upon card activation.
Q: Are there any exclusions on earning cashback with the Swiggy Credit Card?
Yes, cashback won't be earned on transactions made using Swiggy Money Wallet, Swiggy Minis, Swiggy Liquor, rent, utilities, fuel, insurance, EMI payments, jewelry, government spends, and wallet loads.
Q: What is the annual fee for the HDFC Swiggy Credit Card?
There's an annual fee of Rs. 500 + taxes. However, the fee is waived off in the second year onwards if you spend Rs. 2 lakhs or more on your card in the previous year.
Q: How do I claim the complimentary Swiggy One membership?
You need to activate your card first. Then, claim the membership within the Swiggy app to unlock the benefits.
Q: Is there a minimum income requirement to be eligible for the HDFC Swiggy Credit Card?
Yes, for salaried individuals, the minimum net monthly income is Rs. 15,000. For self-employed individuals, the minimum annual ITR is Rs. 6 lakhs.
Q: What happens to the cashback I earn with the Swiggy Credit Card?
Cashback is credited to your account as Swiggy Money, which can be used for future Swiggy transactions.
Q: Can I convert my Swiggy Credit Card purchases into EMIs?
Yes, the card offers a Smart EMI facility that allows you to convert your purchases into equated monthly installments for a fee.
Q: What security features does the HDFC Swiggy Credit Card have?
The card comes with zero lost card liability, meaning you won't be responsible for fraudulent transactions if you report a lost card immediately. It also supports contactless payments for added convenience.
Q: How do I make a payment towards my HDFC Swiggy Credit Card?
You can make payments online through HDFC Bank internet banking or mobile app, or via NEFT/RTGS.
Q: Where can I find more details about the HDFC Swiggy Credit Card?
You can visit our website for the latest information on features, fees, eligibility criteria, and full terms and conditions. (Click Here).
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