Swiggy HDFC Bank Credit Card vs YES Prosperity Cashback Plus Credit Card

Swiggy HDFC Bank Credit Card

YES Prosperity Cashback Plus Credit Card

Joining Fees

₹500

₹1,499

Editor's Rating

4.05

3.8

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

On Movie Ticket bookings get 5% Cashback
On Grocery Shopping get 5% Cashback
On all Other retails spends get 0.75% Cashback
On Bill Payments through YES PayNow get 5% Cashback

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