SBI Cashback CC Vs HDFC Swiggy CC

[Anindya98]

Features	Swiggy HDFC	SBI Cashback
Annual Fee & Joining Fee	₹500 + GST/ LTF (User Specific)	₹999 + GST
Annual Fees Waiver	Waived on annual spends of Rs 2lakh	Waived on annual spends of Rs 2lakh
Accelerated Cashback	10% across Swiggy	Not specified
Maximum Cap for Accelerated Cashback	₹1500	Not specified
Cashback on Online Spends	5%	5%
Maximum Cap for Online Spends	₹1500	₹5000 (both online and offline)
Cashback on All Other Spends	1%	1%
Maximum Cap for Other Spends	₹500	₹5000 (both online and offline)
Total Maximum Cashback (Monthly)	₹3,500	₹5000
Total Maximum Cashback (Yearly)	₹42,000	₹60,000

Overall Opinion:

• The SBI Cashback Card offers 5% cashback on eligible online spends, but it has an annual fee of ₹999. In contrast, the Swiggy HDFC Card has a lower annual fee and provides additional perks, such as a Swiggy One membership valid for three months.
  If you’re a frequent Swiggy user, the Swiggy HDFC Card could be a great choice or if you are getting it LTF as of 21st June the Cashback will be directly adjusted in your statement like SBI Cashback.

Update 08:08:2024: Swiggy HDFC is offered FYF in most of the Swiggy Account

 

[Prime Carlsen]

When is the cashback adjusted in both of them, same statement/calendar month or next?

If it is next, then we need to spend more to use the cashback, changing the returns.

 

[Anindya98]

When is the cashback adjusted in both of them, same statement/calendar month or next?

If it is next, then we need to spend more to use the cashback, changing the returns.

SBI Cashback the CB is adjusted in the next month's statement. Not sure about the HDFC Swiggy one.

 

[Sahil_07]

Tell us whether hdfc swiggy gives 5% cashback at the time of buying Amazon pay gift cards

 

[Anindya98]

Tell us whether hdfc swiggy gives 5% cashback at the time of buying Amazon pay gift cards

If the merchant's name is "AMAZON PAY INDIA PRIVA" then you will receive CB

 

[jetha]

is there a way to confirm if swiggy hdfc is ltf before actually doing a transaction? i saw it showing as eligible in swiggy app and applied and its approved, but i have heard shady tactics from hdfc who doesn't make cards ltf post applying

 

[Karwaabhishek]

is there a way to confirm if swiggy hdfc is ltf before actually doing a transaction? i saw it showing as eligible in swiggy app and applied and its approved, but i have heard shady tactics from hdfc who doesn't make cards ltf post applying

I emailed customer care and confirmed with them.

 

[hitirfan]

is there a way to confirm if swiggy hdfc is ltf before actually doing a transaction? i saw it showing as eligible in swiggy app and applied and its approved, but i have heard shady tactics from hdfc who doesn't make cards ltf post applying

Only some ppl get LTF offer, so it would be genuine

 

[agrprashantagrprashant is verified member.]

is there a way to confirm if swiggy hdfc is ltf before actually doing a transaction? i saw it showing as eligible in swiggy app and applied and its approved, but i have heard shady tactics from hdfc who doesn't make cards ltf post applying

You can confirm from customerservices.cards@hdfcbank.com

 

[Ci9her]

I recently got SBI cashback, Should i close Swiggy HDFC as it is paid for me or keep both?

 

[theflash]

If the merchant's name is "AMAZON PAY INDIA PRIVA" then you will receive CB

Sure bro?
If yes then I'll buy 30k straightaway utilising 1500 cb for this statement...

 

[theflash]

I recently got SBI cashback, Should i close Swiggy HDFC as it is paid for me or keep both?

I have SBI CB I took HDFC as well. If you're able to recover more than what you paid for then it's worth keeping.

 

[Ci9her]

I have SBI CB I took HDFC as well. If you're able to recover more than what you paid for then it's worth keeping.

Then I need to keep using it for some time. BTW where can we see how much cashback we have received till now for SWIGGY HDFC?

 

[theflash]

Then I need to keep using it for some time. BTW where can we see how much cashback we have received till now for SWIGGY HDFC?

Not sure yet took card after revaluation so waiting for 1st statement.

 

[Anindya98]

I recently got SBI cashback, Should i close Swiggy HDFC as it is paid for me or keep both?

Wait till your card renewal as you already paid the fees

 

[Anindya98]

Sure bro?
If yes then I'll buy 30k straightaway utilising 1500 cb for this statement...

Yes
But don't directly buy 30K Amazon GVs directly in a month, Amazon is removing the CC option if you buy too many GVs

 

[theflash]

Yes
But don't directly buy 30K Amazon GVs directly in a month, Amazon is removing the CC option if you buy too many GVs

😢 I have 3-4 accts btw

 

[Anindya98]

😢 I have 3-4 accts btw

They are tracking your card number, not Amazon account

 

[unit vector]

Yesterday my first bill generated and today I got the cashback amount reflecring in my "my card" app transaction page.
I bought some grocery items, home and kitchen and cloths. All were stated as "Amazon pay pvt" and the amount totalled 3880 and the cashback 5% was 119 and 1% was around Rs 20.
I am not going to blindly buy anything via swiggy card.

 

[pinki]

Yesterday my first bill generated and today I got the cashback amount reflecring in my "my card" app transaction page.
I bought some grocery items, home and kitchen and cloths. All were stated as "Amazon pay pvt" and the amount totalled 3880 and the cashback 5% was 119 and 1% was around Rs 20.
I am not going to blindly buy anything via swiggy card.

Grocery purchases are not eligible