Swiggy HDFC Bank Credit Card vs IRCTC HDFC Bank Credit Card
Joining Fees
₹500
₹500
Editor's Rating
4.05
3.7
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
- Avail 5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
- Get 1 Reward Point for every Rs. 100 spent on all other spends
- Avail an additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
- 8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
- Get a 1% transaction charges waiver on transactions done on the IRCTC ticketing website and Rail Connect App
- Spend Rs. 1,50,000 or more in one year before Credit Card renewal and get the renewal fee waived off
- Up to 50 days of interest-free period from the date of purchase
- Revolving Credit available at a nominal interest rate
- 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs. 400 and Rs. 5,000
- Milestone Benefits: Get a gift voucher valued at Rs. 500 when you make quarterly spends of Rs. 30,000 or more (every 90 days from the date of issue)
- IRCTC Executive Lounge Benefits: Get 8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
- It is now possible to link IRCTC HDFC Bank Credit Card to select UPI apps: PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice
- A maximum of 500 reward points can be earned on UPI spends in a calendar month using the IRCTC HDFC Bank Credit Card
- Convert big spends into EMI after purchase
- The IRCTC HDFC Bank Credit Card is equipped with contactless payment technology for added convenience and speed
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
- Complimentary access to Executive Lounges of IRTC
- 5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
- Get 1 Reward Point for every Rs. 100 spent on all other spends
Cons
- No golf benefits are provided
- No airport lounge access
- No movie and dining benefits
