Compare : Swiggy HDFC Bank Credit Card vs Reliance SBI Card PRIME

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

Reliance Retail voucher worth Rs. 3,000 on joining fee payment

Discount vouchers worth Rs. 11,999 of participating Reliance Retail Stores

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 Reward Points per Rs. 100 spent on participating Reliance Retail Stores, except via UPI

5 Reward Points per Rs. 100 spent on dining, movies/entertainment, domestic airlines and international spends

2 Reward Points per Rs. 100 spent on other retail spends, except fuel, wallet upload, property rental

1 Reward Point = Rs. 0.25, redeemable against Reliance Retail vouchers

NA

8 complimentary visits to domestic and 4 to international airport lounges per year, up to 2 visits per quarter each

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

Great co-branded benefits in the form of accelerated rewards, bonus vouchers and discount deals

Welcome benefits worth more than the joining fee

Easily achievable annual fee waiver condition

Lounge access is not spend-based

Decent reward rate of 2.5%

Multiple milestone benefits

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

Low rewards redemption ratio of 4:1

Rewards redemption option limited to Reliance Retail Stores

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

Those who frequently shop from Reliance Reatil Stores, like Netmeds, Catwalk, AJIO, Centro, Reliance Digital, Trends, Zivame, Metro, Urban Ladder, JioMart, Milkbasket, etc. and wish to save on their shopping spends