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Swiggy HDFC Bank Credit Card VS BOBCARD Tiara Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

Swiggy HDFC Bank Credit Card
Swiggy HDFC Bank Credit Card
BOBCARD Tiara Credit Card
BOBCARD Tiara Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹2,499 + GST
Renewal Fee
₹500 + GST
₹2,499 + GST
Spend Based Waiver
Renewal fee waived off on spending ₹2,00,000 or more in the preceding year.
Joining fee waived with ₹25,000 spend in 60 days. Annual fee waived with ₹2,50,000 spend.
Foreign Transaction Fees
3.5% + GST
Reduced Forex mark-up of 2% on International Spends.
Interest Rate (APR)
3.75% per month or 45% per annum
3.25% Per Month (39% Per Annum)

Rewards & Benefits

Welcome Bonus
Complimentary Swiggy One Membership for 3 months upon card activation.
Free Swiggy One, Fitpass Pro, Amazon Prime/Jio Hotstar memberships, plus a women's health package.
Rewards Rate
10% on Swiggy, 5% on online spends, and 1% on other categories.
Earn 15 Reward Points per ₹100 on Dining, Travel & International; 3 RP per ₹100 on other spends.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
Nil
Not applicable (N/A)

Travel & Lifestyle

Domestic Lounge Access
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary domestic lounge access.
Unlimited domestic airport lounge access, conditional on ₹40,000 spend from Jan 1, 2025.
International Lounge Access
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary international lounge access.
No international airport lounge access is provided with this card.
Travel Benefits
Get up to 12% off on Agoda bookings and other Mastercard World Tier travel privileges.
Accelerated 5X Reward Points on travel, 2% Forex markup, and unlimited domestic lounge access.
Movie Benefits
Earn 5% cashback on online spends, including BookMyShow, making movie outings more rewarding.
Flat ₹250 off on a minimum purchase of 2 movie/non-movie tickets with BookMyShow, quarterly.
Dining Benefits
Enjoy 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) and 5% on online dining.
Earn 15 RP/₹100 on dining, plus unlimited free deliveries with Swiggy One membership.
Golf Benefits
Access 12 free golf lessons and 4 complimentary rounds annually with this Mastercard.
Not Applicable
Fuel Surcharge Waiver
Not Applicable
1% waiver on transactions ₹400-₹5,000, max ₹250/cycle. No RPs on fuel transactions.

Security & Other

Insurance Benefits
Benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions.
Zero Liability cover on lost card upon immediate reporting of the loss.
Cash Advance Charges
2.5% of the advanced amount or ₹500, whichever is higher.
Not applicable (N/A)
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Swiggy HDFC Bank Credit Card

BOBCARD Tiara Credit Card

Who is it for?

The Swiggy HDFC Bank Credit Card is a popular co-branded cashback card, ideal for frequent Swiggy users and online shoppers. It offers significant benefits, including 10% cashback on Swiggy spends, 5% on other online transactions, and a complimentary 3-month Swiggy One membership. With a low annual fee that can be waived, and Mastercard World Tier benefits like golf privileges, it provides substantial annual savings for those whose spending habits align with its rewards structure.

Who is it for?

The BOBCARD Tiara Credit Card empowers women with tailored rewards and benefits. It offers accelerated 5X Reward Points on dining, travel, and international spends, a low Forex markup of 2%, and valuable complimentary memberships. Enjoy unlimited domestic lounge access and UPI linking for convenient payments. The card's fees can be easily waived by meeting spending milestones, making it an excellent option for a lifestyle-focused credit card.

Pros

Key benefits and features.

Excellent cashback structure with 10% on Swiggy and 5% on select online platforms.

Complimentary 3-month Swiggy One membership worth ₹1199 as a valuable welcome benefit.

Significant annual savings potential, possibly amounting to ₹42,000 for frequent users.

Mastercard World Tier benefits, including exclusive golf privileges and travel discounts.

Low standard annual fee of ₹500 + GST, often waived based on annual spending.

Pros

Key benefits and features.

The 2% Forex markup charge is lower than typical, making it competitive for international transactions.

The card offers accelerated reward points for international spends, enhancing its value.

Enjoy complimentary memberships to Swiggy One, FitPass Pro, Amazon Prime, and Gaana Plus annually.

A high reward rate of 3.75% on dining, travel, and international spends is very attractive.

Cons

Key drawbacks and limitations.

Lacks complimentary airport lounge access, a common perk available with many other credit cards.

Cashback caps (₹1,500/billing cycle) might limit maximum benefits for very high spenders.

Several exclusions apply to cashback, including gift cards and grocery purchases online.

Primary benefits are largely restricted to Swiggy and selected online merchants, not universal.

Cons

Key drawbacks and limitations.

The BOBCARD Tiara does not offer international airport lounge access despite low Forex charges.

Domestic lounge access becomes conditional on spending ₹40,000 quarterly starting January 2025.

5X reward points on dining, travel, and international spends are capped at 5,000 points per cycle.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.