Compare the published economics of both cards. The better choice depends on where you spend and whether your rewards exceed the recurring fee.
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| Feature | SBI Card SBI Cashback Credit Card | HDFC Bank Swiggy HDFC Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | HDFC Bank |
| Network | Visa | Mastercard |
| Annual fee | ₹999 + GST per year | ₹500 + GST per year |
| Annual fee waiver | ₹2,00,000 | ₹2,00,000 |
| Base reward rate | 1% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Beauty & wellness | 5% · eligible online transactions only | 1% |
| Dining & delivery | 5% · eligible online transactions only | 1% |
| Groceries & essentials | 5% · eligible online transactions only | 1% |
| Online shopping | 5% | 1% |
| Subscriptions & streaming | 5% · eligible online transactions only | 1% |
Limits and access Check caps and everyday usability before deciding. | ||
| General monthly reward cap | No general cap | No general cap |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | Not published |
| Best suited to | People spending ₹15,000+ monthly across various e-commerce and delivery apps. | Frequent food delivery and quick-commerce grocery orderers. |
| Main trade-off | Online and offline cashback are capped separately at ₹2,000 each per statement cycle. Utilities, insurance, fuel, rent, wallets, education, jewellery, railways and other listed categories are excluded. No airport lounge access. | Minimum transaction values are ₹249 for the 10% Swiggy bucket and ₹100 for the 5% and 1% buckets. Merchant MCC and exclusion rules still apply. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
GainFair compares annual rewards after caps, fees, GST and exclusions instead of declaring one universal winner.
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