HDFC Swiggy Credit Card vs IRCTC SBI Card Premier
Detailed comparison of these two popular credit cards
Winner
HDFC Swiggy Credit Card
HDFC Bank
Mid-RangeVS
IRCTC SBI Card Premier
SBI Card
Mid-Range*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
₹500 vs ₹1K
Effective Rate
(cash value)
1.0% vs 0.8%
Lounge Access
None vs None
Detailed Comparison
| Feature | HDFC Swiggy Credit Card | IRCTC SBI Card Premier |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | ₹1K |
| Annual Fee | ₹500 | ₹1K |
| Fee Waiver | Spend ₹2L annually | Spend ₹2L annually |
| Forex Markup | - | - |
Rewards | ||
| Reward Type | 💵Cashback | ⭐Reward Points |
| Effective Cash Value | 1% | 0.8% |
Lounge Access | ||
| Domestic Lounges | None | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹4.0L |
IRCTC SBI Card Premier is Best For
Frequent train travelers (AC class)
Watch Out
- • Peak season (Apr-Jul, Sep-Jan) only 4% value back
- • Rail/Air insurance discontinued Jul 2025
Our Verdict
Based on overall features and value,
HDFC Swiggy Credit Card wins!
Score: 25vsScore: 23
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