Which card has a lower forex fee: Swiggy HDFC Bank Credit Card or Cashback SBI Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Swiggy HDFC Bank Credit Card or Cashback SBI Card?

Swiggy HDFC Bank Credit Card has a lower annual fee (₹500 vs ₹999).

Which card offers better lounge access?

Swiggy HDFC Bank Credit Card: No domestic lounge. Cashback SBI Card: No domestic lounge.

Which card has a higher base reward rate?

Both cards have similar base reward value (~1%).

Pairwise comparison Add another card →

HDFC Bank Swiggy vs SBI Card Cashback Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Swiggy and the SBI Card Cashback. Verify fees, lounge access, forex markup, and base rewards before you apply.

Low fee HDFC Bank Swiggy

Quick comparison

Three core metrics

Swiggy HDFC Bank

Annual fee ₹500 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

Cashback SBI Card

Annual fee ₹999 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

Swiggy

1% on General spend

Limited data

Cashback

1% on General spend

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Swiggy: ₹500 vs SBI Card Cashback: ₹999), forex markup (3.5% vs 3.5%), or lounge access (No lounge access vs No lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Swiggy: Limited data Cashback: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 0 visits/year.

Swiggy: Limited data Cashback: Limited data
Rewards Tie

Both cards are similar for rewards

Estimated base reward value is ~1% on base spend.

Swiggy: Limited data Cashback: Limited data
Annual fee HDFC Bank Swiggy wins

HDFC Bank Swiggy is better for fees

HDFC Bank Swiggy is stronger here. HDFC Bank Swiggy has a lower annual fee (₹500 vs ₹999).

Swiggy: Limited data Cashback: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Swiggy HDFC Bank: ~₹500/month at base rate
Cashback SBI Card: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	Swiggy HDFC Bank	Cashback SBI Card
Lounge Access
Domestic lounge visits	No lounge access	No lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹999	₹500	₹999
Joining fee ₹500 vs ₹999	₹500	₹999
Fee waiver spend	₹2,00,000	₹2,00,000
Rewards
Points per ₹100	1 pts	1 pts
Point cash value	₹1	₹1

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.