Compare : Swiggy HDFC Bank Credit Card vs HSBC Live+ Credit Card

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

Rs. 1,000 cashback on spending Rs. 20,000 within the first 30 days of card issuance (Valid till 31st Dec 2024)

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

10% cashback, up to Rs. 1,000 per month, on grocery, dining and food delivery spends

Unlimited 1.5% cashback on other category spends

NA

4 complimentary visits to domestic airport lounges every year

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

High cashback earning rate on food-related spends

Hassle-free cashback redemption as statement credit

Low spend-based annual fee waiver condition

Good value-back on card activation

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

Monthly capping of Rs. 1,000 in the accelerated categories is too low for a card that charges Rs. 999 annual fee

No significant benefits on travel, movies or other online spends

Long list of exclusions from cashback earning that also includes some major spends like utility bill payments, fuel, rent etc

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

Those who prefer cashback over reward points, frequently dine-out or whose food-related spends make up a major portion of their monthly spends.