📝 TL;DR: The HDFC Bank Swiggy Credit Card is perfect for food lovers and frequent Swiggy users, offering high cashback on food orders and partner brands. On the other hand, the Flipkart Axis Bank Credit Card excels for online shoppers, providing great cashback on Flipkart, Myntra, and Swiggy purchases.
🧑💼 Reviewed by Tausif Shaikh, Credit Card Expert | 📅 Verified June 2025
When comparing the HDFC Bank Swiggy Credit Card with the Flipkart Axis Bank Credit Card, it’s crucial to consider your spending patterns. The HDFC Swiggy Credit Card offers up to 20% cashback on Swiggy orders and provides discounts at partner restaurants, making it an ideal option for foodies. The Flipkart Axis card, however, focuses more on e-commerce with significant cashback on purchases from Flipkart, Myntra, and Swiggy, along with other lifestyle perks.
Both cards have a solid cashback structure, but each offers distinct advantages based on your lifestyle. If you’re an avid Swiggy user, HDFC’s card may be your best bet. For more general e-commerce purchases and online shopping versatility, the Flipkart Axis card offers a broader range of benefits.
Let’s break down how much cashback you could earn based on typical monthly spending:
As you can see, the HDFC Swiggy card provides better cashback for food and dining-related purchases, whereas the Flipkart Axis card is better suited for those who shop frequently on e-commerce platforms.
In my experience, if you’re someone who regularly orders food through Swiggy, I recommend the HDFC Swiggy Credit Card for its unbeatable rewards in this category. However, if you prefer shopping across various online platforms like Flipkart and Myntra, the Flipkart Axis Bank Credit Card provides better all-around rewards, especially with the 5% cashback on purchases from these stores.
🧑💼 Reviewed by Tausif Shaikh | 📅 Updated June 2025
Here’s a quick visual comparison of the key features of the HDFC Bank Swiggy Credit Card and Flipkart Axis Bank Credit Card — from cashback rates to UPI support — all in one glance. Ideal for quick decision-making or sharing with friends. For more details, you can visit the official HDFC Bank Swiggy Credit Card page or the official Flipkart Axis Bank Credit Card page.
📝 TL;DR: The HDFC Bank Swiggy Credit Card is perfect for foodies and Swiggy users with a 10% cashback on Swiggy orders and partner brands. The Flipkart Axis card, on the other hand, offers 5% cashback on Flipkart, Myntra, and Swiggy. If you’re a frequent food delivery user, the HDFC Swiggy card gives you more value, but if you shop often across multiple platforms, the Flipkart Axis card is more versatile.
🖼️ Share this chart or download the 1-page PDF summary.
Reviewed by Tausif Shaikh | Credit Card Expert & Blogger | Verified June 2025
As a credit card expert with years of experience reviewing financial products, I’ve noticed that both cards cater to distinct user needs. The HDFC Swiggy Credit Card is great for those who prioritize food delivery, offering excellent cashback on Swiggy and partner brands. On the other hand, the Flipkart Axis Bank Credit Card is better for users who frequently shop online across various e-commerce platforms, offering cashback on Flipkart, Myntra, and Swiggy purchases.
For example, if you spend ₹10,000 on Swiggy using the HDFC Swiggy Credit Card, you would get ₹1,000 cashback (10%). On the other hand, if you make the same purchase using the Flipkart Axis Bank Credit Card, you’d receive ₹500 cashback (5%) on Swiggy orders. However, for general online shopping, the Flipkart Axis card offers cashback on a variety of platforms, whereas the HDFC Swiggy card is focused on food-related purchases.
HDFC Swiggy Credit Card is perfect for food lovers and loyal Swiggy users, offering 10% cashback on Swiggy orders and 5% on partner brands like Swiggy Instamart, Zomato, and Blinkit. Flipkart Axis Bank Credit Card gives 5% cashback on Flipkart, Myntra, and Swiggy, plus 1.5% on all other spends — ideal for frequent ecommerce shoppers.
Choose HDFC Swiggy Card for dedicated food delivery savings. Opt for Flipkart Axis if you want a broader reward net across top online brands.
Confused between the HDFC Bank Swiggy Credit Card and the Flipkart Axis Bank Credit Card? If you often wonder, “Which card is better for food delivery and daily online shopping?” — you’re not alone. Both cards are built for cashback maximizers, but with different reward ecosystems.
I’ve personally used both cards and can tell you — it depends on your lifestyle. If Swiggy is your go-to app for meals and groceries, HDFC Swiggy Card delivers unbeatable value. But if you regularly shop on Flipkart or Myntra, the Flipkart Axis Card is a smarter all-rounder.
“A majority of foodies I’ve spoken to prefer the Swiggy Card simply because the 10% adds up fast — especially if you use Instamart and Dineout.”
In this expert-reviewed comparison, we break down both cards across rewards, annual savings potential, fees, cashback redemption, and more. This guide helps you make the right choice based on your real-world spending.
💬 Got questions? We’ve answered the most asked doubts in the FAQ section below.
🧑💼 Reviewed by Tausif Shaikh | 📅 Updated June 2025
👉 Want to see how much cashback you can earn monthly? Keep reading for calculator examples, fee waivers, and expert advice on which card suits your lifestyle best.
| Category | Spend Amount | HDFC Swiggy Cashback | Flipkart Axis Cashback |
|---|---|---|---|
| Food Delivery (Swiggy, Zomato) | ₹8,000 | ₹600 (7.5% on Swiggy) | ₹320 (4% on Swiggy/Zomato) |
| Online Shopping (Flipkart, Amazon, Nykaa) | ₹12,000 | ₹240 (2% generic online spends) | ₹600 (5% on Flipkart/Myntra) |
| Travel (IRCTC, MakeMyTrip) | ₹8,000 | ₹160 (2%) | ₹80 (1%) |
| Total Monthly Cashback | ₹28,000 | ₹1,000 | ₹1,000 |
💬 From my own usage: I’ve personally saved ₹600–₹800 a month just on food orders using the Swiggy Credit Card — without even chasing offers or coupons.
💡 Tip: Review your past 2–3 statements — if 40%+ of your spend goes to Flipkart or Swiggy, you’ll immediately see which card offers the highest ROI for you.
📅 Reviewed by: Tausif Shaikh, Credit Card Blogger • Updated: June 9, 2025
🔗 Official Sources: HDFC Swiggy Credit Card | Flipkart Axis Bank Credit Card
As digital payments become the default, UPI and mobile wallet support can make or break your credit card experience. Let’s compare how these two popular cashback cards perform when it comes to UPI linking, Tap & Pay, and mobile-first spending.
| Payment Feature | HDFC Swiggy Credit Card | Flipkart Axis Credit Card |
|---|---|---|
| UPI Linking (via RuPay Credit Card) | ❌ Not Supported (Visa only) | ✅ Yes (RuPay via GPay, PhonePe, BHIM) |
| Tap & Pay (NFC / Mobile Wallets) | ✅ Yes (Visa contactless via GPay, Samsung Pay) | ✅ Yes (RuPay or Mastercard via mobile wallets) |
| Card Network | Visa | RuPay / Mastercard (based on variant) |
“Can I use my HDFC Swiggy Credit Card on UPI apps?” → Not at the moment. UPI Scan & Pay is only supported by Flipkart Axis if you choose the RuPay version.
💬 In my experience: I use Flipkart Axis (RuPay) when shopping at local stores via UPI, and HDFC Swiggy for food delivery via Swiggy One. It’s the most rewarding combo for my lifestyle.
💡 Tip: Choose card variants carefully. The Flipkart Axis Mastercard variant won’t support UPI — so go for RuPay if that matters to you.
📅 Fact Check (June 2025): Verified from official RuPay, Visa, HDFC, and Axis Bank credit card sources.
🔗 Flipkart Axis Credit Card – Official Source
🔗 HDFC Swiggy Credit Card – Official Source
👨💼 Reviewed by Tausif Shaikh, Finance Blogger | Last updated: June 9, 2025
Both the HDFC Bank Swiggy Credit Card and Flipkart Axis Credit Card offer true auto-cashback — no manual redemption, no OTPs, and no conversions. But there’s a subtle difference in how the cashback is credited: one reflects directly on your statement, while the other adjusts in your next billing cycle.
Unlike points-based programs, these cards are designed for those who want real savings without lifting a finger. Here’s how they compare:
| Redemption Feature | HDFC Swiggy Credit Card | Flipkart Axis Credit Card |
|---|---|---|
| Redemption Method | Cashback is directly credited to your statement | Cashback is auto-adjusted in the next billing cycle |
| Minimum Redemption Requirement | None | None |
| Is Reward Portal Required? | ❌ Not required | ❌ Not required |
“Do I need to redeem cashback on HDFC Swiggy Credit Card?” → No, cashback is automatically credited to your card statement.
“Does Flipkart Axis Credit Card apply cashback automatically?” → Yes, cashback is seamlessly adjusted in your next bill — no action needed.
💬 From my experience: I personally enjoy seeing ₹500 or ₹600 cashback directly deducted from my HDFC bill — it feels like free money back with no strings attached.
💡 Tip: Try spending ₹5,000 on Flipkart and ₹5,000 on Swiggy this month using both cards — then check your next bill. You’ll see the cashback auto-applied without doing a thing.
✅ Fact Check: Redemption processes verified with official documentation from HDFC Bank and Axis Bank as of June 2025. Reviewed for accuracy on June 9, 2025.
👨💼 Reviewed by: Tausif Shaikh, Credit Card Analyst – Updatepedia
🔗 HDFC Swiggy Credit Card – Official Page
🔗 Flipkart Axis Credit Card – Official Page
If you’re looking for affordability without compromising on cashback, the Flipkart Axis Bank Credit Card has the edge — it charges ₹500 annually but waives the fee on ₹2L spend. The HDFC Bank Swiggy Credit Card charges ₹500 with no waiver, making it a fixed yearly cost regardless of usage.
If you’re a moderate or heavy spender, fee-waiver conditions can significantly impact your real cashback returns. Here’s a side-by-side fee structure breakdown:
| Fee Component | HDFC Swiggy Card | Flipkart Axis Card |
|---|---|---|
| Joining Fee | ₹500 + GST | ₹500 + GST |
| Renewal Fee (Year 2+) | ₹500 + GST | ₹500 + GST |
| Waiver Condition | ❌ No waiver offered | ✅ Spend ₹2L in a card anniversary year |
| Effective ROI (Low Spenders) | Fixed cost of ₹500/year | Waivable — better if spend ≥ ₹2L |
If your annual cashback doesn’t exceed the ₹500 fee on HDFC Swiggy, you’re effectively paying more than you’re earning. To break even at 5% cashback, you’d need to spend at least ₹10,000/month.
“Which credit card has no annual fee waiver — HDFC Swiggy or Flipkart Axis?” → Only Flipkart Axis offers a waiver on ₹2L annual spend. HDFC Swiggy does not waive the fee.
“What is the annual fee for Flipkart Axis vs HDFC Swiggy Card?” → Both charge ₹500 + GST, but waiver terms differ.
💬 In my experience: I prefer the Flipkart Axis for regular usage — hitting ₹2L isn’t hard with bills, groceries, and food delivery, and skipping the renewal fee always feels like a win.
💡 Tip: Automate common expenses like electricity, Swiggy, and Flipkart orders on this card — you’ll reach the ₹2L milestone organically without changing your habits.
✅ Fact Check: Fee structures and waiver conditions verified via official Axis Bank and HDFC Bank websites. Reviewed on June 9, 2025.
👨💼 Reviewed by: Tausif Shaikh, Credit Card Analyst – Updatepedia
🔗 HDFC Swiggy Credit Card – Official Page
🔗 Flipkart Axis Credit Card – Official Page
HDFC Swiggy Credit Card offers 10% cashback on Swiggy and 5% on Zomato, Instamart & Blinkit — credited as a bill adjustment in the next cycle. Flipkart Axis Credit Card gives 5% cashback on Flipkart and Myntra, 4% on Swiggy, Cleartrip, PVR, and 1.5% elsewhere — cashback reflects in the monthly statement.
Personally, I find Flipkart Axis’s 1.5% flat cashback handy for regular spends, while HDFC Swiggy’s food-specific perks are unbeatable if you’re a frequent foodie.
| Feature | HDFC Swiggy Credit Card | Flipkart Axis Credit Card |
|---|---|---|
| Redemption Type | Auto-adjusted in statement | Direct cashback credit |
| Timeline | Next billing cycle | Same cycle (within statement) |
| Manual Action Needed | ❌ None | ❌ None |
👉 Snapshot Verdict: Love ordering food? HDFC Swiggy is your go-to. Want an all-rounder card with Flipkart & travel rewards? Go with Flipkart Axis.
💡 Tip #1: Use the Flipkart Axis Card for online shopping and travel bookings. For food delivery, I recommend using the HDFC Swiggy Card to maximize the 10% benefit.
💡 Tip #2: Regularly check your card provider’s mobile app for real-time cashback tracking and avoid surprises at billing time.
💼 Pro Tip: Want to maximize savings? Use Flipkart Axis Card for all online shopping and travel bookings. Then switch to HDFC Swiggy Card for all food orders and Instamart runs. That way, you unlock both categories efficiently without needing to redeem anything manually.
✅ Fact Check: Redemption process verified from HDFC Bank Swiggy Card T&Cs and Axis Bank Flipkart Credit Card details as of June 2025.
🧑⚖️ Reviewed By: Tausif Shaikh, Finance Blogger • Updated on: June 10, 2025
Flipkart Axis charges ₹500/year; Swiggy HDFC charges ₹500 too. This calculator shows how long it’ll take to recover the fee with your monthly food and shopping spends. If you’re a regular Swiggy user like me, HDFC’s 10% cashback stacks up quickly!
Curious how much you need to spend monthly to break even? Enter your average food and shopping expenses below. We’ll instantly show breakeven timelines based on real cashback rates.
Want more details? Visit
HDFC Swiggy Card page or
Flipkart Axis Card info.
Flipkart Axis: --
HDFC Swiggy: --
🔍 Note: Enter monthly food and brand spending separately. The calculator assumes cashback is auto-credited without exclusions.
✅ Fact Check: Cashback logic and brand partners are verified from Axis and HDFC Bank card pages, accurate as of June 2025.
🧑⚖️ Reviewed By: Tausif Shaikh, Finance Blogger • Updated on: June 9, 2025
If you’re in a rush, the HDFC Swiggy Credit Card wins with instant virtual card issuance. Flipkart Axis has a smooth journey but doesn’t provide immediate digital access after approval.
| Step | Flipkart Axis Card | HDFC Swiggy Card |
|---|---|---|
| Eligibility Check | PAN, DOB, Mobile via Axis website | PAN, Aadhaar, Mobile via HDFC page |
| Document Upload | Income Proof + eKYC | Aadhaar OTP + income proof |
| Verification Process | 1–2 working days | Instant with Aadhaar e-KYC |
| Virtual Card Issuance | ❌ Not immediate | ✅ Instantly available post-approval |
| Physical Card Delivery | 5–7 working days | 5–7 working days |
Is the HDFC Swiggy Credit Card good for students?
It depends. While it offers high cashback on food delivery, HDFC may require income proof or stable credit history — which most students may not have.
Can I apply for HDFC Swiggy Credit Card without visiting a branch?
Yes, the full process is online. If you complete Aadhaar e-KYC and upload documents digitally, you can receive the virtual card instantly.
Does Flipkart Axis offer instant virtual card access?
No, Flipkart Axis Card currently does not provide instant virtual card access. You must wait for physical delivery post-approval.
✅ Fact Check: Application steps and timelines verified from Axis Bank and HDFC Bank official pages as of June 2025.
✍️ Reviewed By: Tausif Shaikh, Finance Blogger • Updated on: June 9, 2025Choose the HDFC Swiggy Credit Card if food delivery and dining are your major monthly spends. Opt for the Flipkart Axis Card if your focus is online shopping across Flipkart, Swiggy, or Myntra. If you’re like me and split spends between food and e-commerce, combining both cards delivers the best of both worlds.
Still confused between the HDFC Bank Swiggy Credit Card and the Flipkart Axis Bank Credit Card? Here’s a comparison verdict based on actual use-cases and monthly expense types:| Spending Type | Recommended Card | Why? |
|---|---|---|
| 🍕 Swiggy + Dining Lovers | ✅ HDFC Swiggy Credit Card | 10% cashback on Swiggy (orders & Instamart), plus 5% on select dining – unmatched for foodies |
| ➡️ Best for foodies and frequent Swiggy users. | ||
| 🛍️ Flipkart / Myntra–heavy Shoppers | ✅ Flipkart Axis Bank Card | 5% cashback on Flipkart, Myntra, and 4% on Swiggy – strong multi-brand value |
| ➡️ Best for regular shoppers on Flipkart and Myntra. | ||
| 💳 Budget-Conscious / Low Spenders | ✅ Flipkart Axis Bank Card | Lower ₹500 fee with ₹2L waiver – more accessible for light users |
| ➡️ Great for occasional shoppers or those with controlled monthly expenses. | ||
| 📦 All-Round Online Shoppers | ✅ Both Cards Combo | Use Swiggy Card for food + Flipkart Axis for shopping – maximizes category-specific cashback |
| ➡️ Ideal if your spends are split between food and retail. | ||
| Card | Exclusions (No Cashback) |
|---|---|
| HDFC Swiggy Credit Card | Fuel, rent, wallet reloads, government services, EMI payments |
| Flipkart Axis Bank Card | Insurance, rent, fuel, wallet loads, EMIs, education payments |
📌 Pro Tip: I personally use both – HDFC Swiggy for food, Flipkart Axis for e-commerce. Just make sure you monitor the exclusions (like rent, fuel, insurance) to avoid cashback loss.
✅ Fact Check: Cashback categories, limits, and exclusions verified from official HDFC and Axis Bank card pages as of June 2025.
🧑💼 Reviewed by: Tausif Shaikh, Credit Card Analyst | Updated: June 2025
🔗 Official Sources: Swiggy HDFC Credit Card | Flipkart Axis Credit Card
This user smartly uses HDFC Swiggy Credit Card for food and Instamart orders, while reserving the Flipkart Axis Card for e-commerce platforms like Flipkart and Myntra. Cashback is auto-applied in both cases. Swiggy Card offers 10% cashback but lacks UPI — while Flipkart Axis supports UPI payments but gives lower rewards on food spends.
“Which card should I use for food orders vs Flipkart shopping?” → Here’s what one user does to maximize rewards:“I mostly use the HDFC Swiggy Credit Card for all my food cravings — 10% cashback is solid, especially on Instamart. For shopping on Flipkart and Myntra, I switch to the Flipkart Axis Card. Both cards complement each other well if used smartly.” — Radhika M., Verified User | 🗓️ Reviewed June 2025
📌 This real-world review highlights how splitting card usage by category (food vs shopping) can maximize your rewards. Evaluate your monthly spends before applying.
✅ Fact Check: Cashback categories, UPI compatibility, and exclusions verified from HDFC Bank and Axis Bank sources as of June 2025.
🧑💼 Reviewed by: Tausif Shaikh, Credit Card Analyst | Updated: June 2025
The HDFC Swiggy Credit Card is excellent for food delivery and grocery shoppers with 10% cashback on Swiggy and Instamart. The Flipkart Axis Credit Card is better for e-commerce shoppers with 5% on Flipkart and Myntra. I’ve personally found that using Swiggy for food and Flipkart Axis for shopping offers the best overall value.
“I recommend using the HDFC Swiggy Card for food and grocery orders, and the Flipkart Axis for all shopping. I do the same and it helps me optimize cashback across both categories.” — Tausif Shaikh, Finance BloggerHere’s a side-by-side breakdown of the strengths and limitations of each card to help you decide what suits your lifestyle best:
| 🧩 Feature | 🍕 HDFC Swiggy Credit Card | 🛍️ Flipkart Axis Bank Card |
|---|---|---|
| ✅ Pros |
|
|
| ❌ Cons |
|
|
✅ Fact Check: Cashback categories, exclusions, UPI compatibility, and annual fee structure were verified from official Axis Bank and HDFC Bank websites as of June 2025.
🧑💼 Reviewed by: Tausif Shaikh, Credit Card Analyst | Updated: June 2025
🟡 TL;DR: If your top priority is 🍽️ food delivery, Instamart orders, or restaurant spends, the HDFC Swiggy Credit Card gives you 10% cashback on Swiggy plus 5% on dining. But if you mostly shop on 🛍️ Flipkart, Myntra, or prefer a card with UPI support, the Flipkart Axis Credit Card is more versatile for retail cashback and everyday payments.
💡 Pro Tip: I personally use HDFC Swiggy for my food & grocery spends, and Flipkart Axis for online shopping and UPI scans. Pairing them helps maximize value across both categories without overlapping benefits.
🧑💼 Reviewed by Tausif Shaikh | 📅 Updated: June 2025 ✅ Fact Check: Cashback structure, exclusions, UPI compatibility, and annual fees verified from official Axis Bank and HDFC Bank sources.
Personally, I use Swiggy Card for food + Instamart and Flipkart Axis for shopping + UPI. This guide simplifies it all into one neat, shareable sheet.
By downloading, you agree to our affiliate disclosure. This PDF is for informational purposes only and may not reflect recent issuer changes. ✅ Fact Check: Cashback rules, UPI support, exclusions, and fees verified from official HDFC Bank and Axis Bank sources as of June 2025.
🧑💼 Reviewed by: Tausif Shaikh | Updated: June 2025
If you mostly order food online and dine out often, go for HDFC Bank Swiggy Credit Card. If your spends are higher on Flipkart or Myntra, Flipkart Axis gives better targeted cashback.
In my experience, using both cards strategically has worked wonders — I use Flipkart Axis for shopping and Swiggy HDFC for all food spends.📌 Disclaimer: These are affiliate links. We may earn a commission when you apply, at no additional cost to you. This supports our unbiased comparisons.
✅ Fact Check: Cashback and link details verified on HDFC & Axis Bank websites as of June 2025.
👤 Reviewed by Tausif Shaikh · Source: Updatepedia · Updated June 2025
It depends on your lifestyle. If you order food often via Swiggy or Instamart, the HDFC Swiggy Card gives 10% cashback — unmatched for foodies. But if your spend is spread across Flipkart, Myntra, and Swiggy, the Flipkart Axis Card provides a more balanced value. I personally use both and switch depending on where I shop.
No — the HDFC Bank Swiggy Credit Card is a Visa variant and currently does not support UPI linking. Only the RuPay variant of Flipkart Axis Card can be used with UPI apps.
The Swiggy Card offers 10% on Swiggy/Instamart and Dineout spends, but just 1% elsewhere. The Flipkart Axis Card provides 5% cashback across three popular platforms (Flipkart, Swiggy, Myntra) and 1.5% on all other online spends — making it more versatile.
Nope! Both cards offer auto-credit cashback. Flipkart Axis credits it to your monthly bill, and HDFC Swiggy adjusts it in the same billing cycle. There’s no need to log in to a rewards portal.
Absolutely — and it’s a smart move. Use the Swiggy Card for food and grocery (Instamart) spends and the Flipkart Axis Card for online shopping. Many users — including myself — keep both for maximum benefit.
Flipkart Axis Card has a lower annual fee of ₹500 (waived on ₹2L spend) and offers broader cashback benefits. While the Swiggy Card also has ₹500+GST fees, its cashback is limited to food-related categories. If you’re new to credit cards, start with Flipkart Axis.
If you rarely order food online or prefer shopping on platforms like Amazon, AJIO, or Tata Neu, the Swiggy Credit Card may not deliver enough value. Its 10% cashback is limited to Swiggy ecosystem spends, and general purchases only earn 1%.
Yes — be cautious. HDFC Swiggy excludes wallet loads, fuel, insurance, EMI, etc. Flipkart Axis also excludes certain merchant codes. Always check the card’s latest T&Cs here and here.
📅 Verified: June 2025 | 🧾 Fact Check: Based on HDFC Bank and Axis Bank official disclosures. All insights are fact-checked and curated by finance content experts.
🧠 Reviewed by Tausif Shaikh, Credit Card Blogger | Updated: June 2025
| Card | Why It’s a Great Alternative |
|---|---|
SBI Cashback Credit Card |
✅ Flat 5% cashback on most online merchants ✅ Ideal for Amazon, Nykaa, AJIO, BigBasket ❌ Excludes rent, wallets, fuel, and insurance |
Axis Bank ACE Credit Card |
✅ 5% cashback on utility bill payments via Google Pay ✅ 4% on Swiggy, Zomato, Ola + 2% elsewhere 💰 ₹499 annual fee (waived on ₹2L/year spend) |
Amazon Pay ICICI Credit Card |
✅ Lifetime free with 5% cashback for Prime members ✅ Cashback auto-credit as Amazon Pay balance ✅ Good for daily Amazon + utility + wallet payments |
💡 Tip: These cards cover more generic spending needs. If your monthly spend isn’t limited to Flipkart or Swiggy, pairing one of these with a category card makes your cashback strategy more balanced.
👎 Who should avoid these? If you mostly shop on Flipkart or order from Swiggy multiple times a week, stick to HDFC Swiggy or Flipkart Axis — those cards offer much higher targeted rewards.
✅ Fact Check: Card benefits and terms verified from official SBI, ICICI, and Axis Bank sites as of June 2025.
🧠 Reviewed by Tausif Shaikh, Credit Card Blogger | Updated: June 2025
Tausif Shaikh is the Founder of Updatepedia.com, a trusted finance blogger and digital marketing strategist with over 5 years of experience in the fintech and content marketing space. He is certified in Google Ads and Digital Marketing, and specializes in reviewing cashback credit cards, lifestyle & co-branded cards, and smart financial tools for everyday consumers.
Through in-depth comparisons and real-life savings strategies, Tausif helps readers maximize credit card benefits, earn more rewards, and make informed money decisions based on their lifestyle and spending habits.
Follow Tausif for practical financial insights, unbiased reviews, and money-saving tips that actually work.
Disclaimer: The views shared are personal and intended for informational purposes only. Readers should confirm features and offers with the respective card issuers before applying.
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