AU Ixigo Credit Card vs HDFC Swiggy Credit Card
Detailed comparison of these two popular credit cards
Winner
AU Ixigo Credit Card
AU Small Finance Bank
EntryVS
HDFC Swiggy Credit Card
HDFC Bank
Mid-Range*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives 💵 Cashback. We're showing effective cash values for fair comparison.
Annual Fee
FREE vs ₹500
Effective Rate
(cash value)
1.3% vs 1.0%
Lounge Access
8/year vs None
Detailed Comparison
| Feature | AU Ixigo Credit Card | HDFC Swiggy Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | ₹500 |
| Annual Fee | FREE | ₹500 |
| Fee Waiver | None | Spend ₹2L annually |
| Forex Markup | 0% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | 💵Cashback |
| Effective Cash Value | 1.25% | 1% |
Lounge Access | ||
| Domestic Lounges | 8/year | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹3.0L |
AU Ixigo Credit Card is Best For
Budget travelers (if grandfathered on zero forex)
Watch Out
- • Zero forex removed for new cardholders
- • Lounge now requires ₹20K/quarter spend
- • International rewards removed Dec 2024
Our Verdict
Based on overall features and value,
AU Ixigo Credit Card wins!
Score: 50vsScore: 25
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