Skip to main content

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.

Features

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
₹9,999 + GST
Renewal Fee
₹500 + GST
₹4,999 + GST
Spend Based Waiver
Renewal fee waived off on spending ₹2,00,000 or more in the preceding year.
Renewal fee waived on spending Rs. 10 Lakh in a year.
Foreign Transaction Fees
3.5% + GST
1% of the transaction amount.
Interest Rate (APR)
3.75% per month or 45% per annum
2.99% per month (35.88% annually).

Rewards & Benefits

Welcome Bonus
Complimentary Swiggy One Membership for 3 months upon card activation.
Get 40,000 Reward Points & complimentary ETPrime subscription voucher worth ₹3,199.
Rewards Rate
10% on Swiggy, 5% on online spends, and 1% on other categories.
Earn 36 Reward Points on ₹200 online spends (4.5%) & 18 Reward Points on ₹200 offline spends (2.25%).
Reward Type
Cashback
Reward Points
Reward Redemption Fee
Nil
Nil.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary domestic lounge access.
6 complimentary domestic airport lounge visits each quarter for primary/add-on cardholders.
International Lounge Access
Not Applicable - The Swiggy HDFC Bank Credit Card does not offer complimentary international lounge access.
Unlimited international lounge access for primary & add-on cardholders, plus 4 guest visits/year.
Travel Benefits
Get up to 12% off on Agoda bookings and other Mastercard World Tier travel privileges.
Unlimited international lounge access, 6 domestic lounge visits/quarter, and low 1% foreign currency markup.
Movie Benefits
Earn 5% cashback on online spends, including BookMyShow, making movie outings more rewarding.
Buy One Get One (BOGO) free on movie ticket bookings, capped at 3 transactions/month (max ₹800/ticket).
Dining Benefits
Enjoy 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) and 5% on online dining.
Enjoy a 15% discount on select restaurants.
Golf Benefits
Access 12 free golf lessons and 4 complimentary rounds annually with this Mastercard.
Waiver of 4 Green Fee rounds & one complimentary golf lesson every calendar month at select courses.
Fuel Surcharge Waiver
Not Applicable
1% on fuel (Rs. 400-Rs. 5,000) with max waiver of ₹1,000 per statement cycle.

Security & Other

Insurance Benefits
Benefit from Zero Lost Card Liability, ensuring protection against fraudulent transactions.
Credit Shield Cover of Rs. 3 Lakh and 6-month accidental damage insurance for mobile/electronics.
Cash Advance Charges
2.5% of the advanced amount or ₹500, whichever is higher.
2.5% of the transaction amount.
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

Yes Bank Marquee 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 Yes Bank Marquee Credit Card is a super-premium offering designed for individuals who frequently shop online, travel, and seek entertainment benefits. It provides comprehensive features including unlimited international lounge access, BOGO movie offers, dining discounts, and accelerated Reward Points. With purchase protection and a low foreign currency markup, it's a well-rounded option for premium cardholders seeking high-value benefits.

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.

Unlimited international lounge access and a low 1% foreign currency markup for global travel.

Attractive BOGO movie offers and dining discounts make it appealing for entertainment.

Accelerated reward points on online and offline spends provide significant value back.

Comprehensive insurance benefits including credit shield and purchase protection for devices.

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.

High joining fee of Rs. 9,999 + GST, which might be a barrier for some.

Welcome benefits may feel limited compared to the significant initial joining fees.

High minimum income required (₹3 Lakh/month) limits accessibility for many applicants.

Domestic lounge access is conditional on spending, unlike the unlimited international access.

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.