Swiggy HDFC Credit Card Vs SBI Cashback Credit Card

Last Updated : March 22, 2025, 1:03 p.m.

Both the Swiggy HDFC Credit Card and the SBI Cashback credit card are cards that offer generous cashback. The Swiggy HDFC Credit Card is curated especially for those consumers who transact frequently on Swiggy and spend a considerable amount on shopping with this food delivery brand. The card enables you to save almost 42000 rupees annually. Those who use Instamart for monthly groceries or utilize the food delivery services multiple times a month can easily get back the Rs. 500 as annual fee and also earn a considerable amount of cashback. The SBI Cashback Credit Card offers cashback on every transaction made with the card. You will be able to earn 5% cashback on all online and offline purchases. Apart from this, you can enjoy benefits such as complimentary access to domestic airport lounges. So, which card to choose from these two cards? For this purpose, let us compare the features and benefits of both the credit cards. Before you apply for a credit card, check your CIBIL score online on Wishfin as this is an important eligibility criteria for credit card application approval.

Comparison of Swiggy HDFC Credit Card vs SBI Cashback Credit Card

Pros and Cons of the Swiggy HDFC Credit Card and the SBI Cashback Credit Card

Pros of the Swiggy HDFC Bank Credit Card

• Ample cashback of 10% on all online Swiggy food delivery orders, including Genie and Instamart.
• Get a cashback of Rs. 1500 per month across major online shopping platforms.
• This credit card is most suitable for food lovers since they can get a free Swiggy One membership for three months.

Cons of the Swiggy HDFC Bank Credit Card

• No domestic or international lounge access.
• No fuel surcharge waiver.
• You cannot earn cashback on transactions made using Swiggy Money Wallet, Swiggy Liquor, and Swiggy Minis.
• No cashback is earned on fuel, rent, government related spends, and jewelry.
• Swiggy Money accrued as cashback will expire in 1 year from the date of earning.

Pros of the SBI Cashback Credit Card

• Get a cashback of 5% on online spends.
• This card is great for high spending on online merchants.
• Get a fuel surcharge waiver of 1% across all petrol pumps in India.
• Cardholders can earn a maximum cashback of Rs. 5000 in every monthly statement cycle.

Cons of the SBI Cashback Credit Card

• No golf benefits
• No complimentary airport lounge access
• The cashback credit card does not qualify for instant discount during online sales.

Swiggy HDFC Credit Card vs SBI Cashback Credit Card - Which Card to Choose?

Each of these credit cards - Swiggy HDFC Credit Card and the SBI Cashback credit card have established a name for themselves and have their own perks. So, choosing a card amongst the two depends on the different kinds of needs that we have and our personal preferences. The SBI Cashback credit card is a card worth having in the purse as it offers 5% cashback across all eligible online spends. However, the annual fee of the card is high which is almost double the charge of the Swiggy HDFC Bank credit card. If your spends are mostly on Swiggy and you spend frequently on Swiggy Dineout or Instamart, you must consider getting this card, as it rewards you on both your online and offline spends.

The most important standout feature of this card is the mastercard world benefits that it provides. Now coming to the SBI cashback credit card, choose this card if you have very high expenditures. The card enables you to get a cashback of Rs. 5000 every month. For those who love to travel, this card is a good fit since it gives you cashback on hotel and flight bookings (Swiggy HDFC Bank credit card does not provide cashback on these categories). Also, if your spends are not solely on swiggy and you love shopping online without any merchant restrictions, then you must go in for the SBI cashback credit card.