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Swiggy HDFC Bank vs IRCTC SBI Platinum – Full comparison
Both cards verified with issuer
Swiggy HDFC Bank source IRCTC SBI Platinum sourceAnnual fee structure is a key difference
Spend context
At ₹50k/month spend:
- Swiggy HDFC Bank: ~₹500/month at base rate
- IRCTC SBI Platinum: ~₹130/month at base rate
Approximate, based on base rates (before caps).
| Swiggy HDFC Bank HDFC | IRCTC SBI Platinum SBI | |
|---|---|---|
| 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 ₹2,00,000 vs ₹75,000 | ₹2,00,000 | ₹75,000 |
| 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.
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.