Swiggy HDFC Bank Credit Card
Frequent food delivery and quick-commerce grocery orderers.
Main trade-off
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.
Direct comparison
Compare 2 credit cards
Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | HDFC Bank Swiggy HDFC Bank Credit Card | SBI Card Flipkart SBI Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | SBI Card |
| Network | Mastercard | Visa |
| Annual fee | ₹500 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹3,50,000 annual spending |
| Base reward rate | 1% | 1% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | 10% Swiggy cashback: ₹1,500/statement cycle · 5% eligible online cashback: ₹1,500/statement cycle · 1% other eligible cashback: ₹500/statement cycle | Myntra cashback: ₹4,000/quarter · Flipkart and Shopsy cashback: ₹4,000/quarter · Cleartrip cashback: ₹4,000/quarter · Selected-partner cashback: ₹4,000/quarter |
| 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 | Not published | 3.5% |
| Monthly income requirement | Approx. ₹15,000/month salaried · ₹50,000/month self-employed | Approx. ₹25,000/month |
| Terms verified | 14 Sept 2026 | 21 Sept 2026 |
| Best suited to | Frequent food delivery and quick-commerce grocery orderers. | Flipkart, Myntra and Cleartrip shoppers who want a lifetime-free card. |
| Main trade-off | 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. | This card is not lifetime free. Selected-merchant accelerators, application-channel welcome gifts and exclusions are conditional. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Your spending
Which card gives you more value?
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
Monthly total
₹0
₹0/mo
₹0/mo
₹0/mo
₹0/mo
₹0/mo
₹0/mo
Merchant-specific bonuses are not assumed for broad categories. The calculation uses the verified general eligible rate unless a qualifying merchant is explicitly supplied in a detailed GainFair flow.
Add at least one spending amount to calculate your comparison.