Flipkart Axis Bank vs HDFC Swiggy Ornge
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Flipkart Axis Bank wins 3-2. Flipkart loyalists who also use Myntra and Cleartrip HDFC Swiggy Ornge is still the right call if light swiggy users who want 5% back and a year of swiggy one for ₹500..
Side-by-side
| Criterion | Flipkart Axis Bank | HDFC Swiggy Ornge |
|---|---|---|
| Annual fee | = ₹500 | = ₹500 |
| Joining fee | = ₹500 | = ₹500 |
| Top reward rate | = 5% (shopping) | = 5% (dining) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = 3.5% | = N/A |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = 12-month Swiggy One membership |
| Fee waiver threshold | · ₹3,50,000 / yr | ₹1,50,000 / yr |
| Min income | · ₹3,60,000 | ₹2,40,000 |
| Min credit score | 730 | · N/A |
| Editorial rating | 4.4/5 | · 4.2/5 |
Benefits compared
Flipkart Axis Bank
- 5% cashback on Flipkart, Myntra, 2GUD
- 4% cashback on Cleartrip, Swiggy, Uber, PVR, Cult.fit
- 1.5% cashback on every other transaction
- 4 complimentary domestic lounge visits per year
- 1% fuel surcharge waiver
HDFC Swiggy Ornge
- 5% cashback on Swiggy food, Instamart and Dineout, on orders of ₹249 or more
- 5% cashback on select online merchants and categories, including Cleartrip and Nykaa, inside the same ₹1,500 cycle cap as Swiggy
- 1% cashback on other spends (up to ₹1,000 a cycle), excluding fuel, rent, jewellery, government, gaming, education, EMI and wallet loads
- Lifetime free for holders moved over from the old Swiggy HDFC card
- Renewal fee waived on ₹1,50,000 spend in a year
FAQ
›Flipkart Axis Bank vs HDFC Swiggy Ornge: which is better?
Flipkart Axis Bank wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Flipkart Axis Bank for its best categories, HDFC Swiggy Ornge for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Flipkart Axis Bank: ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days. HDFC Swiggy Ornge: 12-month Swiggy One membership.