Swiggy HDFC Bank Credit Card vs IDFC FIRST Select Credit Card

Joining Fees

₹500

₹0

Editor's Rating

4.05

2.75

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 3X Reward Points on Spends till Rs. 20,000 in a statement cycle
  • Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
  • Avail 1X Reward Points on Insurance premium and Utility bill payments
  • Use the Reward points to instantly pay for online or in-store purchases
  • Get 3X Reward Points on rental and property management transactions
  • Avail ‘Buy One, Get One' offer on movie tickets up to Rs. 125 on Paytm mobile app. This is valid twice per month
  • Enjoy 300+ Brand Offers all year long
  • Get up to 20% discount at 1500+ restaurants
  • Complimentary Roadside Assistance worth Rs. 1,399
  • 1% Fuel Surcharge Waiver up to Rs. 300 per month at all fuel stations in India, on transactions between Rs. 200 and Rs. 5000
  • Air Accident Cover of Rs. 1 Crore
  • Personal Accident Cover of Rs. 5,00,000
  • Lost Card Liability Cover of Rs. 50,000
  • Comprehensive Travel Insurance Cover of Rs. 22,500
  • Convert all transactions above Rs. 2,500 into easy and convenient EMIs on the mobile app
  • Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
  • Enjoy convenient transfer of balances from other bank credit cards with the bank’s balance transfer privilege

 

Premium Benefits includes as follows:

  • Availing 2 complimentary Domestic airport lounge visits per quarter, on spending Rs. 20,000 every month  
  • Availing 4 complimentary railway lounge visits per quarter
  • Cancellation For Any Reason (CFAR) insurance: Get cancellation cover for up to 2 claims up to Rs. 10,000, will be available for hotel and flight booking cancellations.

 

VISA Offers are as follows:

  • Airport Meet & Greet - Avail discounts on Airport Fast Track immigration service worldwide
  • Airport Transfers - Enjoy discounts on Airport transfer limousine service across in more than 3000 cities across 83 countries
  • Concierge 
  • Luxury Hotel Collection – Get access to over 900 luxury hotels around the globe with premium benefits such as automatic room upgrade upon arrival, Complimentary in-room Wi-Fi, Complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others

 

MasterCard Offers are as follows:

  • Limo Service Airport Pick Up and Drop 
  • Airport Meet & Assist - Cardholders will get assistance through the airport with all aspects of their departure and arrivals
  • Get 4 complimentary Golf rounds and 12 complimentary Golf lessons per calendar year

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 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
  • Domestic airport and railway lounge access
  • Get 3X Reward Points on rental and property management transactions

Cons

  • No International Airport Lounge access
  • Welcome gift voucher is only provided on spending Rs. 5000 or more within 30 days of card generation
  • No Priority Pass facility


More comparisions with Swiggy HDFC Bank Credit Card

More comparisions with IDFC FIRST Select Credit Card

Downloads