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

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

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

Swiggy HDFC Bank Credit Card has a lower annual fee (₹500 vs ₹1,499).

Which card offers better lounge access?

Swiggy HDFC Bank Credit Card: No complimentary lounge access. SBI Card PULSE: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Swiggy HDFC Bank Credit Card has higher base reward value (~1% vs ~0.5%).

Pairwise comparison Compare 3+ cards →

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

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

Lounge SBI Card PULSE Rewards 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 complimentary lounge access

PULSE SBI Card

Annual fee ₹1,499 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter)

Reward earning explained

Per card

Swiggy

1% · Up to 10% on Swiggy

Limited data

PULSE

2 pts / ₹100 · Up to 10 pts / ₹100 on Dining

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Swiggy: ₹500 vs SBI Card PULSE: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access vs 4/year (1 per quarter)).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access SBI Card PULSE wins

SBI Card PULSE is better for lounge access

SBI Card PULSE is stronger here. Domestic lounge access is 1 per quarter.
Rewards HDFC Bank Swiggy wins

HDFC Bank Swiggy is better for rewards

HDFC Bank Swiggy is stronger here. HDFC Bank Swiggy conservative base value ~1% vs SBI Card PULSE's ~0.5%.

HDFC Bank Swiggy

Confidence: Low (limited information available)

Verify with issuer

SBI Card PULSE

Confidence: Low (limited information available)

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
SBI PULSE: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Swiggy HDFC Bank	PULSE SBI Card
Lounge Access
Domestic lounge visits No complimentary lounge access vs 4/year (1 per quarter)	No complimentary lounge access	4/year (1 per quarter)
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹1,499	₹500	₹1,499
Joining fee ₹500 vs ₹1,499	₹500	₹1,499
Fee waiver spend	₹2,00,000	₹2,00,000
Rewards
Base earn 1% vs 2 pts / ₹100	1%	2 pts / ₹100
Conservative base value ~1% vs ~0.5%	~1%	~0.5%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25	₹1	₹0.25
Point validity Only available for Swiggy HDFC Bank	2 years	Not specified

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.