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Swiggy HDFC Bank vs IndianOil RBL Bank XTRA – Full comparison

Both cards verified with issuer

Swiggy HDFC Bank source IndianOil RBL Bank XTRA source

Difference is primarily driven by base reward rates

Key differences

Best rewards Swiggy HDFC Bank ~1%

Spend context

At ₹50k/month spend:

  • Swiggy HDFC Bank: ~₹500/month at base rate
  • IndianOil RBL Bank XTRA: ~₹130/month at base rate

Swiggy HDFC Bank shows higher base earn at this spend

Approximate, based on base rates (before caps).

Swiggy HDFC Bank HDFC IndianOil RBL Bank XTRA RBL
Lounge Access
Domestic lounge visits
No difference
 None None
Forex / International Use
Forex markup
No difference
 3.5% 3.5%
Fees
Annual fee
No difference
 ₹500 ₹500
Joining fee
No difference
 ₹500 ₹500
Fee waiver spend
Only available for Swiggy HDFC Bank
 ₹2,00,000 Not clearly specified
Rewards
Points per ₹100
No difference
 1 pts 1 pts
Point cash value
₹1 vs ₹0.25
 ₹1 ₹0.25

Notes

  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Source: issuer websites + manual verification · Last verified 20 April 2026
Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.