HDFC Swiggy Credit Card vs RBL IndianOil XTRA
Detailed comparison of these two popular credit cards
Winner
HDFC Swiggy Credit Card
HDFC Bank
Mid-RangeVS
RBL IndianOil XTRA
RBL Bank
Mid-Range*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⛽ Fuel Points. We're showing effective cash values for fair comparison.
Annual Fee
₹500 vs ₹2K
Effective Rate
(cash value)
1.0% vs 0.3%
Lounge Access
None vs None
Detailed Comparison
| Feature | HDFC Swiggy Credit Card | RBL IndianOil XTRA |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | ₹2K |
| Annual Fee | ₹500 | ₹2K |
| Fee Waiver | Spend ₹2L annually | Spend ₹2.75L annually |
| Forex Markup | - | - |
Rewards | ||
| Reward Type | 💵Cashback | ⛽Fuel Points |
| Effective Cash Value | 1% | 0.25% |
Lounge Access | ||
| Domestic Lounges | None | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹3.0L |
RBL IndianOil XTRA is Best For
IndianOil fuel users
Watch Out
- • Max benefit ₹400/month on fuel
Our Verdict
Based on overall features and value,
HDFC Swiggy Credit Card wins!
Score: 25vsScore: 17
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