Compare : American Express® Gold Card vs Swiggy HDFC Bank Credit Card

4,000 Membership Rewards® points on reaching Rs. 10,000 spends within the first 90 days in the 1st year

5,000 Membership Rewards® points on the first year card renewal fee payment

3 months Swiggy One Membership worth Rs. 1,199 on card activation

5X Membership Rewards® points on purchases made via Rewards Multiplier

1 Membership Rewards® point for every Rs. 50 spent

Membership Rewards® points are capped at 10,000 per month for utility and at 5,000 per month for fuel spends

Membership Rewards® points redeemable against 18 and 24 Karat Gold Collections containing brand vouchers

10% cashback up to Rs. 1,500/month on Swiggy food ordering, Instamart, Dineout & Genie

5% cashback up to Rs. 1,500 permonth on online spends

1% cashback up to Rs. 500 per month on other spends

Cashback redeemable against outstanding amount due

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Up to 12,000 Membership Rewards® points on reaching easily achievable spending milestones

Good savings on stays at some of the top hotels worldwide

Rewards on fuel and utility payments - categories that are often excluded

5X Membership Rewards® points on popular brands and platforms with top brand vouchers as redemption options

10% cashback across all Swiggy platforms, including food ordering, Instamart, Dineout, and Genie

5% cashback on other online spends, covering day-to-day categories

Complimentary 3-month Swiggy One membership

Complimentary golf rounds and lessons with the Mastercard variant

No complimentary lounge access

No option to waive off the card annual fee

Rewards redemption limited to Gold Collection catalogue

Maximum cashback capping of Rs. 3,500 across all categories

No complimentary lounge access benefits

No cashback benefits on select Swiggy spends—Swiggy Money Wallet, Swiggy Minis, and Swiggy Liquor

Those who want a card with good rewards benefits that also gives value-back on utilities and fuel spends and who frequently stay at hotels while travelling worldwide

Those who frequently spend on food delivery, dining or order products & groceries online and prefer cashback over reward points on their spends