Swiggy HDFC Bank Credit Card vs Metro Kotak Bank Credit Card
Joining Fees
₹500
₹0
Editor's Rating
4.05
3.65
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
- Save up to 1% on Metro Spends, which is capped at Rs. 10,000 per statement cycle
- Cashback Structure is as follows:
a. Monthly Minimum spend slabs
b. Rs. 10,001 to Rs. 30,000 Spends - 0.25% Cashback
c. Rs. 30,001 to Rs. 5 Lakh - 0.50 % Cashback
d. > Above Rs. 5 Lakh - 1% Cashback
- Credit Free Period of 48 Days
- Rupay Contactless provides a quick, safe, and secure way to pay. Just tap the Metro Kotak Bank Credit Card and pay for transactions up to Rs. 5000 without a PIN
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
- Save up to 1% on Metro Spends, which is capped at Rs. 10,000 per statement cycle
- Activation benefit of up to Rs. 500 cashback on the first swipe
- For spends done between Rs. 10,001 to Rs. 30,000 get 0.25% Cashback and for spends Rs. 30,001 to Rs. 5 Lakh get 0.50 % Cashback
Cons
- No International or Domestic Airport Lounge access
- No golf or fuel benefits
- No rewards or other travel related benefits
