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Swiggy HDFC Bank Credit Card VS Yes Bank Marquee 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 Yes Bank Marquee 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. Yes Bank Marquee Credit Card costs ₹9,999 + GST and earns 36 Reward Points on ₹200 online spends (4.5%) & 18 Reward Points on ₹200 offline spends (2.25%). Swiggy HDFC Bank Credit Card also brings benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions, while Yes Bank Marquee Credit Card counters with 6 complimentary domestic airport lounge visits each quarter for primary/add-on cardholders. If dining spending matters more, go with Swiggy HDFC Bank Credit Card; if travel is the priority, Yes Bank Marquee Credit Card fits better.

Swiggy HDFC Bank Credit Card
Swiggy HDFC Bank Credit Card
Yes Bank Marquee Credit Card
Yes Bank Marquee Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹9,999 + GST
Renewal Fee₹500 + GST
Renewal Fee₹4,999 + GST
Spend Based WaiverAnnual charges are waived on spending ₹2 Lakh or more in the preceding year.
Spend Based WaiverAnnual fee waived on spending Rs. 10 Lakh in a year.
Foreign Transaction Fees3.5% + GST
Foreign Transaction Fees1% of the transaction amount.
Interest Rate (APR)3.75% Per Month or 45% Per Annum
Interest Rate (APR)2.99% per month (35.88% annually).

Rewards & Benefits

Welcome BonusComplimentary 3-month Swiggy One Membership upon card activation.
Welcome Bonus40,000 Reward Points & complimentary ETPrime subscription voucher worth ₹3,199.
Rewards RateEarn 10% cashback on Swiggy, 5% on top online brands, and 1% on other eligible spends.
Rewards RateEarn 36 RP on ₹200 online (4.5%), 18 RP on ₹200 offline (2.25%), 10 RP on ₹200 utilities (1.25%).
Reward TypeCashback, Air Miles
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹100 + GST

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access6 complimentary visits/quarter for primary/add-on + 2 guest visits/quarter (spend ₹1L/quarter).
International Lounge Access
International Lounge AccessUnlimited access for primary/add-on cardholders + 4 guest visits/year.
Travel BenefitsMastercard World Tier benefits including up to 12% off on Agoda bookings and complimentary stays.
Travel BenefitsLow 1% foreign currency markup; extensive lounge access; travel assistance.
Movie Benefits5% cashback on BookMyShow spends.
Movie BenefitsBuy One Get One (BOGO) on movie tickets, capped at 3/month (max ₹800/ticket).
Dining Benefits10% cashback across the Swiggy application, including food orders, Instamart, Dineout.
Dining Benefits15% discount at select restaurants.
Golf BenefitsFour complimentary rounds of green fees and twelve complimentary golf lessons annually.
Golf BenefitsWaiver of 4 Green Fees; 1 complimentary golf lesson per month at select courses.
Fuel Surcharge WaiverNot applicable
Fuel Surcharge Waiver1% waiver on transactions ₹500-₹5,000, max ₹1,000/statement cycle.

Security & Other

Insurance Benefits
Insurance BenefitsCredit Shield Cover of Rs. 3 Lakh; 6-month accidental damage insurance for online electronics.
Cash Advance Charges2.5% of the advanced amount or ₹500, whichever is higher.
Cash Advance Charges2.5% or ₹650, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Swiggy HDFC Bank Credit Card

Yes Bank Marquee 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?

The Yes Bank Marquee Credit Card is a super-premium offering designed for individuals seeking extensive benefits across travel, shopping, and entertainment. It features unlimited international airport lounge access, buy-one-get-one-free movie tickets, and an accelerated reward points program. With a low 1% foreign currency markup and purchase protection, it's ideal for frequent travelers and high spenders who can maximize its premium perks.

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.

Ideal for international travelers due to unlimited international lounge access and a low 1% foreign currency markup.

Attractive for entertainment lovers, offering BOGO movie tickets and dining discounts.

Accelerated reward points on online and offline spends, including specific utility payments.

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 card has a high joining fee of Rs. 9,999 + GST, making initial cost significant.

Welcome benefits, while valuable, may seem limited compared to the high joining charge.

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.
Apply for Swiggy HDFC Bank Credit Card(opens in new tab)Apply for Yes Bank Marquee Credit Card(opens in new tab)