HDFC Swiggy Credit Card: Is It Better Than SBI Cashback Credit Card?

From 21st June 2024, the HDFC Swiggy Credit Card has started offering real cashback directly credited to the credit card statement. Will this new feature make it better than the SBI Cashback Credit Card? Let’s dive in and find out.

Apply for HDFC Swiggy Credit Card and SBI Cashback Credit Card

• Apply HDFC Swiggy Credit Card via HDFC website: Click here

• Apply SBI Cashback Credit Card via SBI Sprint for Instant Approval: Click here

• Apply HDFC Swiggy Credit Card via CashKaro: Click here

  • Bonus: Get a ₹1500 Amazon Pay Giftcard from CashKaro on applying through this link

HDFC Swiggy Card Vs. SBI Cashback Card

Cashback on Food and Groceries

• Swiggy, Dineout, and Swiggy Instamart:

  • HDFC Swiggy Card: 10% Cashback

  • SBI Cashback Card: 5% Cashback

  • Other options: HSBC Cashback Card or Axis Airtel Card offer 10% Cashback

Online Payments Cashback

• HDFC Swiggy Card:

  • 5% Cashback on:

    • Apparels

    • Departmental Stores (excluding Grocery)

    • Entertainment

    • Local Cab

    • Electronics

    • Home Decor

    • Pharmacies

    • Personal Care

    • Online Pet Stores

    • Discount stores (Amazon, Flipkart, Ajio)

• SBI Cashback Card:

  • 5% Cashback on all the above categories and more.

Limited Cashback Categories for HDFC Swiggy Card

• 1% Cashback on:

   

  • Travel (Flight, Hotel, Bus tickets, Holiday packages)

  • Online Food Orders (other than Swiggy): Zomato, McD, Dominos, Pizza Hut, etc.

  • Online Restaurant Payments (other than through Swiggy DineOut): Just 1% on Eazydiner

  • Online Grocery (other than Swiggy Instamart): Just 1% or 0% on BigBasket, JioMart, Amazon Fresh, Flipkart Grocery, Zepto, Dmart online app, Reliance Fresh online, etc.

SBI Cashback Card Advantages

• 5% Cashback on thousands of other sites and apps not included in HDFC Swiggy Card’s 5% Cashback categories.

• 1% Cashback on offline spends with both cards.

Additional Cashback on HDFC Swiggy Card

• Additional 5% Cashback up to ₹1000 per month on:

  • Flights

  • Hotels

  • Bus

  • Train

  • Nykaa

  • Giftcards, etc.

Cashback Limits

• HDFC Swiggy Card:

  • 1500 per month Cashback limit on Swiggy app

  • 1500 limit on 5% Cashback categories

  • 500 limit on 1% Cashback categories

• SBI Cashback Card:

  • Overall cashback limit of ₹5,000 per month with no category-wise limit.

Comparing HDFC Swiggy Card with Other Cards

• HSBC Cashback Card: Offers a consistent 10% Cashback on food orders and grocery.

• Axis Airtel Card: Also provides 10% Cashback on food orders and grocery.

Conclusion

While the HDFC Swiggy Credit Card offers specific benefits for Swiggy users and a decent cashback on selected categories, the SBI Cashback Credit Card stands out due to its:

• Higher cashback limit

• No category-wise limits

• Broader range of 5% cashback categories

Overall, the SBI Cashback Card is a superior choice for those looking for versatile cashback options.

Share Your Thoughts

What are your views on these cards? Share in the comments below!

• Apply HDFC Swiggy Credit Card via HDFC website: Click here

• Apply SBI Cashback Credit Card via SBI Sprint for Instant Approval: Click here

• Apply HDFC Swiggy Credit Card via CashKaro: Click here

  • Bonus: Get a ₹1500 Amazon Pay Giftcard from CashKaro on applying through this link