SBI Cashback vs Swiggy HDFC Credit Card: Which Reigns Supreme?
SBI Cashback vs Swiggy HDFC Credit Card: Which Reigns Supreme?
Choosing the right cashback credit card can significantly boost your savings. This detailed comparison of the SBI Cashback card and the Swiggy HDFC Bank credit card will help you decide which one best suits your spending habits.
SBI Cashback Credit Card
The SBI Cashback card is known for its straightforward 5% cashback on many online transactions. It's a popular choice for online shoppers.
- 5% cashback on online transactions (with exclusions).
- Annual fee waived on spending ₹2,00,000 annually.
- 1% fuel surcharge waiver (capped).
- 1% cashback on offline purchases and utility bill payments (with exclusions).
Image Credit: Card Insider
Swiggy HDFC Bank Credit Card
The Swiggy HDFC Bank Credit Card offers high cashback on Swiggy and other popular platforms, now directly credited to your statement.
- 10% cashback on Swiggy (capped).
- 5% cashback on select brands (capped).
- 1% cashback on other spends (capped).
- Annual fee of ₹500 + GST (may be waived under certain conditions).
Image Credit: Card Insider
Detailed Comparison
| Feature | Swiggy HDFC | SBI Cashback |
|---|---|---|
| Annual Fee | ₹500 + GST | ₹999 + GST |
| Annual Fee Waiver | On ₹2,00,000 annual spend | On ₹2,00,000 annual spend |
| Swiggy Cashback | 10% (capped at ₹1500/month) | - |
| Online Spends Cashback | 5% (capped at ₹1500/month, exclusions apply) | 5% (capped at ₹5000/month, exclusions apply) |
| Other Spends Cashback | 1% (capped at ₹500/month) | 1% (capped at ₹5000/month) |
| Max Monthly Cashback | ₹3500 | ₹5000 |
| Max Yearly Cashback | ₹42000 | ₹60000 |
Use Cases
Let's see how the cashback works in real-world scenarios:
| Scenario | Swiggy HDFC Cashback | SBI Cashback |
|---|---|---|
| ₹5000 Swiggy Order | ₹500 (10%) | - |
| ₹2000 Online Shopping | ₹100 (5%) | ₹100 (5%) |
| ₹1000 Offline Groceries | ₹10 (1%) | ₹10 (1%) |
Note: Cashback percentages and caps are subject to change. Always refer to the official terms and conditions.
Conclusion
The best card depends on your spending habits. The SBI Cashback card offers higher maximum cashback, but the Swiggy HDFC card provides significant advantages for frequent Swiggy users. Consider your spending patterns and prioritize accordingly.
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