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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.
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Last updated: 18 July 2026

Both Swiggy HDFC Bank Credit Card and HDFC Bank Diners Club Privilege 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. HDFC Bank Diners Club Privilege Credit Card costs ₹1,000 + GST and earns 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato. Swiggy HDFC Bank Credit Card also brings benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions, while HDFC Bank Diners Club Privilege Credit Card counters with 2 complimentary lounge visits per quarter in India. If dining spending matters more, go with Swiggy HDFC Bank Credit Card; if premium is the priority, HDFC Bank Diners Club Privilege Credit Card fits better.

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
Joining Fee₹1,000 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,000 + GST
Spend Based WaiverAnnual charges are waived on spending ₹2 Lakh or more in the preceding year.
Spend Based WaiverRenewal fee waived for next year on spends of Rs. 3 Lakhs in the card anniversary year.
Foreign Transaction Fees3.5% + GST
Foreign Transaction FeesA nominal 3.5% on all your foreign currency spends.
Interest Rate (APR)3.75% Per Month or 45% Per Annum
Interest Rate (APR)3.75% Per Month (equivalent to 45% Per Annum).

Rewards & Benefits

Welcome BonusComplimentary 3-month Swiggy One Membership upon card activation.
Welcome BonusComplimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within 90 days.
Rewards RateEarn 10% cashback on Swiggy, 5% on top online brands, and 1% on other eligible spends.
Rewards RateEarn 4 Reward Points on every Rs.150 retail spends. Up to 10X RP on SmartBuy, 5X RP on Swiggy & Zomato.
Reward TypeCashback, Air Miles
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeRs 99 per redemption request (plus applicable taxes).

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access2 complimentary lounge visits per quarter in India.
International Lounge Access
International Lounge Access2 complimentary lounge visits per quarter worldwide (including international destinations).
Travel BenefitsMastercard World Tier benefits including up to 12% off on Agoda bookings and complimentary stays.
Travel Benefits2 complimentary airport lounge accesses every quarter worldwide. Up to 10X Rewards on booking flights & hotels via Smartbuy.
Movie Benefits5% cashback on BookMyShow spends.
Movie Benefits'Buy 1 Get 1 Free' on movie/non-movie weekend tickets via BookMyShow (max discount Rs. 250/ticket, up to 2 monthly).
Dining Benefits10% cashback across the Swiggy application, including food orders, Instamart, Dineout.
Dining BenefitsEarn 5X Reward Points on Swiggy and Zomato. FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants via Swiggy Dineout.
Golf BenefitsFour complimentary rounds of green fees and twelve complimentary golf lessons annually.
Golf BenefitsNot Applicable
Fuel Surcharge WaiverNot applicable
Fuel Surcharge WaiverNot applicable.

Security & Other

Insurance Benefits
Insurance BenefitsAir accident ₹1 Cr, overseas hospitalization ₹25 Lakhs, travel insurance ₹50k, credit liability ₹9 Lakh.
Cash Advance Charges2.5% of the advanced amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of the withdrawal amount, subject to a minimum charge of Rs 500.
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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 credit card, ideal for frequent Swiggy users and online shoppers. It offers a generous 10% cashback on all Swiggy app spends and 5% cashback on purchases across various top online brands. Cardholders also receive a complimentary 3-month Swiggy One membership as a welcome benefit. With an easily waivable annual fee, this card provides substantial savings on dining and online expenses, making it a strong contender in the cashback market.

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.

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.

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, 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.

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.
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