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

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

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

Both cards have the same annual fee (₹500).

Which card offers better lounge access?

Swiggy HDFC Bank Credit Card: No domestic lounge. IRCTC SBI Platinum Credit Card: No domestic lounge.

Which card has a higher base reward rate?

Swiggy HDFC Bank Credit Card has higher base reward value (~1% vs ~0.25%).

Pairwise comparison Add another card →

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

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

upi SBI Card IRCTC SBI Platinum

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

IRCTC SBI Platinum SBI Card

Annual fee ₹500 Waivable at ₹75,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

Swiggy

1% on General spend

Limited data

IRCTC SBI Platinum

1 pts / ₹100 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 IRCTC SBI Platinum: ₹500), 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 IRCTC SBI Platinum: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 0 visits/year.

Swiggy: Limited data IRCTC SBI Platinum: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Swiggy has comparable evidence here. Estimated base reward value is ~1% on base spend.

Swiggy: Limited data IRCTC SBI Platinum: Limited data
Annual fee Tie

Both cards are similar for fees

Annual fee is ₹500.

Swiggy: Limited data IRCTC SBI Platinum: Limited data
upi SBI Card IRCTC SBI Platinum wins

SBI Card IRCTC SBI Platinum is better for UPI usage

SBI Card IRCTC SBI Platinum is stronger here. Supports UPI via RuPay network.

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
IRCTC SBI Platinum: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Field	Swiggy HDFC Bank	IRCTC SBI Platinum 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	₹500
Joining fee	₹500	₹500
Fee waiver spend ₹2,00,000 vs ₹75,000	₹2,00,000	₹75,000
Rewards
Points per ₹100	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.