Two very different choices
This is a total apples and oranges comparison. It depends what your intended use is for the gun(s). I did strongly consider the XD when I bought my CZ, though.
For accuracy and price, CZ wins. For reliability and durability, I'd say CZ due to the all steel construction. My CZ has been flawless. But I haven't put a lot of rounds downrange with an XD, either.
For carry, the XD would be lighter due to its polymer frame, but the alloy framed CZs are pretty light, too, and more accurate. I hear the finish on XDs is not too great for carry, though.
One is striker fired, and one is hammer fired. I like how the CZs slide rides inside the frame.
The CZ is cheaper, which means more ammo and practice. The CZ is a more attractive pistol, too. My vote goes to CZ, but I do think the XD is a very good gun that I would gladly accept.