BOB Premier Credit Card vs HDFC Swiggy Credit Card
Detailed comparison of these two popular credit cards
Winner
BOB Premier Credit Card
Bank of Baroda
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
FREE vs ₹500
Effective Rate
(cash value)
0.5% vs 1.0%
Lounge Access
4/year vs None
Detailed Comparison
| Feature | BOB Premier Credit Card | HDFC Swiggy Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | ₹500 |
| Annual Fee | FREE | ₹500 |
| Fee Waiver | LTF till Mar 2026 | Spend ₹2L annually |
| Forex Markup | 3.5% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | 💵Cashback |
| Effective Cash Value | 0.5% | 1% |
Lounge Access | ||
| Domestic Lounges | 4/year | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹6.0L | ₹3.0L |
BOB Premier Credit Card is Best For
Free premium card with travel benefits
Watch Out
- • LTF offer valid till Mar 2026
Our Verdict
Based on overall features and value,
BOB Premier Credit Card wins!
Score: 38vsScore: 25
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