Swiggy HDFC Bank Credit Card VS BOBCARD Tiara Credit Card
Both Swiggy HDFC Bank Credit Card and BOBCARD Tiara Credit Card suit dining-focused spenders, but they earn and cost differently. Swiggy HDFC Bank Credit Card costs ₹500 + GST and earns 10% on Swiggy, 5% on online spends, and 1% on other categories. BOBCARD Tiara Credit Card costs ₹2,499 + GST and earns 15 Reward Points per ₹100 on Dining, Travel & International; 3 RP per ₹100 on other spends. Swiggy HDFC Bank Credit Card also brings benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions, while BOBCARD Tiara Credit Card counters with unlimited domestic airport lounge access, conditional on ₹40,000 spend from Jan 1, 2025. Weigh the fee against the reward rate above to see which fits your spending pattern better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Swiggy HDFC Bank Credit Card
BOBCARD Tiara Credit Card
Who is it for?
Who is it for?
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.
Pros
Key benefits and features.
Highly competitive 2% Forex markup charge, lower than most credit cards in the market.
Accelerated reward points on international spends benefit frequent international travelers.
Offers a high effective reward rate of 3.75% on dining and travel spends.
Wide array of lifestyle benefits including shopping discounts, entertainment, and health perks.
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.
Cons
Key drawbacks and limitations.
Despite international benefits, the BOBCARD Tiara does not offer international airport lounge access.
Domestic airport lounge access is conditional on meeting a minimum spending requirement.
Reward points on accelerated categories and UPI transactions are capped per statement cycle.