Swiggy HDFC Bank Credit Card vs HDFC Bharat Credit Card
Joining Fees
₹500
₹500
Editor's Rating
4.05
3.3
Key Features
* Get 10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie)
* Get 5% Cashback on online spends across online MCCs
* Get 1% Cashback on other categories
* Zero lost card liability
* Up to 50 days of interest-free period on the Swiggy HDFC Bank Credit Card from the date of purchase
* When making spends of Rs. 2,00,000 or more in a year, before the Credit Card renewal date, get the renewal fee waived off
* Swiggy HDFC Bank Credit Card is enabled for contactless payments
* You can convert large purchases on the credit card into Smart EMI
* Mastercard Golf Benefits:
a. Access golf courses worldwide and 12 free lessons per year
b. 4 complimentary rounds of green fees per calendar yea
c. Discounted golf services at 50% of the green fee beyond complimentary sessions
- Get 5% monthly cashback by booking tickets through IRCTC
- On Fuel expenses, enjoy savings with 5% monthly cashback
- Get 1% surcharge waiver and save up to Rs. 250 in every billing cycle (Min transaction of Rs. 400)
- On Groceries spends, enjoy savings with 5% monthly cashback
- Enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge
- Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
- Avail up to 50 interest-free days from date of purchase
- Get Revolving Credit at Nominal interest rate
- Save annually up to Rs 3,600 by simply using the HDFC Bank Bharat credit card
Editor's Review
Pros
* Get 10% cashback on all Swiggy food delivery orders, including Genie and Instamart
* Up to Rs. 1,500 cashback per month across major online shopping platforms
* This credit card suits food enthusiasts because they can get a complimentary Swiggy One membership for three months which is extremely beneficial
Cons
* One can only redeem their cashback on the Swiggy app
* There's no domestic or international lounge access
* The foreign currency markup is on the higher side at 3.5%
Pros
- Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
- Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
- Avail up to 50 interest-free days from date of purchase
Cons
- No Lounge Access
- No Golf benefits
