Cashback SBI Credit Card VS Swiggy HDFC Bank Credit Card
Both Cashback SBI Credit Card and Swiggy HDFC Bank Credit Card suit shopping-focused spenders, but they earn and cost differently. Cashback SBI Credit Card costs ₹999 + GST and earns 5% cashback on online spends (capped at Rs. 2,000 per statement cycle) and 1% cashback on offline spends (capped at Rs. 2,000 per statement cycle). Swiggy HDFC Bank Credit Card costs ₹500 + GST and earns 10% cashback on Swiggy, 5% on top online brands, and 1% on other eligible spends. Swiggy HDFC Bank Credit Card also brings complimentary 3-month Swiggy One Membership upon card activation. If utilities spending matters more, go with Cashback SBI Credit Card; if dining is the priority, Swiggy HDFC Bank Credit Card fits better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Cashback SBI Credit Card
Swiggy HDFC Bank Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Decent 5% cashback on online spends and 1% on offline spends for solid everyday savings.
High monthly cashback cap of Rs. 4,000 across categories boosts total earnings potential.
Strong option for online spending compared to other cashback cards with simple auto-credit.
Contactless payment facility available for quick and secure low-value transactions.
Global acceptance in over 24 million outlets ensures usability during travel and shopping.
Pros
Key benefits and features.
Generous 10% cashback on all Swiggy app spends, ideal for frequent users.
Significant 5% cashback on online purchases from a wide range of popular brands.
Complimentary 3-month Swiggy One membership adds substantial value as a welcome benefit.
Annual fee of ₹500 + GST is easily waived by spending ₹2 Lakh in a year.
Mastercard World Tier benefits offer golf privileges and travel discounts.
Cons
Key drawbacks and limitations.
Several categories are excluded from cashback eligibility, limiting earnings on key spends.
Annual fee is relatively high compared to the benefits for low spenders who cannot meet the waiver.
Spend-based waiver may be difficult to achieve if major spends fall in excluded categories.
No instant discounts during online sales, reducing appeal during promotional shopping periods.
Cashback exclusions on utilities, insurance, fuel, rent, and other services restrict utility.
Cons
Key drawbacks and limitations.
Lacks complimentary airport lounge access, which is a common perk on similar cards.
Cashback benefits are capped at ₹1,500 per billing cycle for key spending categories.
Fuel surcharge waiver is not applicable, increasing costs for fuel transactions.
High foreign currency markup of 3.5% + GST makes international spends expensive.
Cashback is not applicable on utility bill payments, rent, or wallet transactions.