Amex Platinum Reserve vs HDFC Swiggy Credit Card
Detailed comparison of these two popular credit cards
Amex Platinum Reserve
American Express
Super PremiumVS
HDFC Swiggy Credit Card
HDFC Bank
Mid-Range*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives 💵 Cashback. We're showing effective cash values for fair comparison.
Annual Fee
₹10K vs ₹500
Effective Rate
(cash value)
0.7% vs 1.0%
Lounge Access
4/year vs None
Detailed Comparison
| Feature | Amex Platinum Reserve | HDFC Swiggy Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹5K | ₹500 |
| Annual Fee | ₹10K | ₹500 |
| Fee Waiver | None | Spend ₹2L annually |
| Forex Markup | 3.5% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | 💵Cashback |
| Effective Cash Value | 0.7% | 1% |
Lounge Access | ||
| Domestic Lounges | 4/year | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹12.0L | ₹3.0L |
Our Verdict
It's a tie! Both cards are equally matched.
Choose based on your specific needs and spending patterns.
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