Compare Swiggy HDFC Bank Credit Card and CASHBACK SBI Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Frequent Swiggy users and online shoppers whose eligible spend fits within the monthly cashback caps.
People whose eligible spend is primarily online and who can use the cashback caps efficiently.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/hdfc-swiggy-credit-card-vs-cashback-sbi-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
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| Decision factor | Swiggy HDFC Bank Credit Card | CASHBACK SBI Card |
|---|---|---|
| Joining fee | ₹500 + applicable taxes under the current HDFC Bank MITC/fee page. | ₹999 + taxes |
| Annual fee | ₹500 + applicable taxes; renewal fee is waived at ₹2 lakh annual spends. | ₹999 + taxes |
| Fee waiver | Renewal fee waived when eligible annual spends reach ₹2 lakh or more. | Renewal fee of ₹999 + applicable taxes is waived on annual spends of ₹2 lakh or more in the preceding year. |
| Rewards | 10% cashback on eligible Swiggy app spends capped at ₹1,500 per billing cycle; 5% on eligible online shopping capped at ₹1,500; 1% on eligible other spends capped at ₹500. Current product T&Cs also apply minimum eligible transaction values of ₹249 for the 10% bucket and ₹100 for the 5%/1% buckets. | 5% cashback on eligible online spends; 1% on eligible offline spends |
| Lounge | Not positioned as a lounge-led card | No core lounge benefit highlighted on the reviewed product page |
| Forex markup | The current Swiggy HDFC Bank fee page explicitly publishes a 3.50% dynamic-currency-conversion markup; the reviewed product-specific page does not separately state a foreign-currency markup rate, so DCC is kept distinct from ordinary foreign-currency conversion. | 3.50% foreign-currency transaction fee; the current SBI Card MITC also lists a 3.50% DCC fee for qualifying INR-denominated international or overseas-registered-merchant transactions. |
| Network | Mastercard on reviewed issuer material | Visa / Mastercard (variant-dependent) |
| Eligibility / approval | Subject to HDFC Bank approval and current eligibility rules | Subject to SBI Card approval and current underwriting policy |
These cautions remain attached to the underlying card records instead of being converted into a score.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Each side keeps its own review date, source set and evidence state.
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 11, 2026 · 4 attached first-party sources
Reviewed September 11, 2026 · 2 attached first-party sources