Skip to main content

Swiggy HDFC Bank Credit Card VS HDFC Bank Diners Club Privilege 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
HDFC Bank Diners Club Privilege Credit Card
HDFC Bank Diners Club Privilege Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹1,000 + GST
Renewal Fee
₹500 + GST
₹1,000 + GST
Spend Based Waiver
Renewal fee waived off on spending ₹2,00,000 or more in the preceding year.
Renewal fee waived for next year on spends of Rs. 3 Lakhs in the card anniversary year.
Foreign Transaction Fees
3.5% + GST
A nominal 3.5% on all your foreign currency spends.
Interest Rate (APR)
3.75% per month or 45% per annum
3.75% Per Month (equivalent to 45% Per Annum).

Rewards & Benefits

Welcome Bonus
Complimentary Swiggy One Membership for 3 months upon card activation.
Complimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within 90 days.
Rewards Rate
10% on Swiggy, 5% on online spends, and 1% on other categories.
Earn 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
Nil
Rs 99 per redemption request (plus applicable taxes).

Travel & Lifestyle

Domestic Lounge Access
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary domestic lounge access.
2 complimentary lounge visits per quarter in India.
International Lounge Access
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary international lounge access.
2 complimentary lounge visits per quarter worldwide (including international destinations).
Travel Benefits
Get up to 12% off on Agoda bookings and other Mastercard World Tier travel privileges.
2 complimentary airport lounge accesses every quarter worldwide. Up to 10X Rewards on booking flights & hotels via Smartbuy.
Movie Benefits
Earn 5% cashback on online spends, including BookMyShow, making movie outings more rewarding.
'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow (max discount Rs. 250/ticket, up to 2 monthly).
Dining Benefits
Enjoy 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) and 5% on online dining.
Earn 5X Reward Points on Swiggy and Zomato. FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants via Swiggy Dineout.
Golf Benefits
Access 12 free golf lessons and 4 complimentary rounds annually with this Mastercard.
Not Applicable
Fuel Surcharge Waiver
Not Applicable
Not applicable.

Security & Other

Insurance Benefits
Benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions.
Air accident ₹1 Cr, overseas hospitalization ₹25 Lakhs, travel insurance ₹50k, credit liability ₹9 Lakh.
Cash Advance Charges
2.5% of the advanced amount or ₹500, whichever is higher.
2.5% of the withdrawal amount, subject to a minimum charge of Rs 500.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Swiggy HDFC Bank Credit Card

HDFC Bank Diners Club Privilege 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?

HDFC Bank Diners Club Privilege Credit Card is a sub-premium credit card offering a range of rewards and benefits tailored for a premium lifestyle. Cardholders receive complimentary annual memberships to Swiggy One and Times Prime as a welcome benefit upon spending ₹75,000 within the first 90 days. The card provides 4 Reward Points for every ₹150 spent on retail, with accelerated earnings of up to 10x Reward Points on SmartBuy spends and 5x Reward Points on Swiggy and Zomato transactions. Additionally, it offers 'Buy 1 Get 1 Free' on weekend movie/non-movie tickets via BookMyShow and provides complimentary access to over 1,000 airport lounges worldwide.

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.

Earn 4 Reward Points per Rs. 150 spent, with accelerated 5x Reward Points on Zomato and Swiggy spends.

Frequent travelers benefit from 8 complimentary domestic and international lounge access per year.

Avail complimentary annual Swiggy One and Times Prime memberships as welcome benefits on eligible spend.

Enjoy 'Buy 1 Get 1 Free' movie/non-movie tickets on weekends via BookMyShow, enhancing entertainment value.

The card offers impressive insurance benefits, including air accident and overseas hospitalization cover.

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 welcome benefit offers of Swiggy One and Times Prime memberships may not be desired by all cardholders.

The annual fee of Rs 1,000 + taxes is relatively higher than some competing credit card options.

A rewards redemption fee of Rs 99 + taxes is applicable for each redemption request.

A foreign currency markup of 3.5% applies to international transactions, which can be quite high.

Interest rates of 3.75% per month (45% annually) can lead to high costs if balances are carried over.

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.