SBI Cashback vs HDFC Swiggy vs HDFC Millennia vs AU Lit

[helloworld]

Category​	SBI Cashback​	HDFC Swiggy​	HDFC Millennia​	AU LIT​
Fee / Fee Waiver	₹1,180 / Waived on ₹2L	LTF (till 31st Dec)#, or ₹590 / Waived on ₹2L	LTF (till 15th Jan)#, or ₹1,180 / Waived on ₹1L	₹3,776
Annual Fee Benefits / Net	None / (-₹1,180)	None / (₹-590)	₹1,000 / (-₹180)	None / (₹-3,776)
Online Websites/Apps				On 20K/30 days Spends ^AU
Amazon, Flipkart, Myntra, Tata CLiQ	5%	5%	5%	7.5%
Swiggy (Instamart, Food, Dineout)	5%	10%	5%	7.5%
Zomato	5%	1%	5%	7.5%
Uber	5%	5%	5%	4.5%
Nykaa, Ajio (Shopping)	5%	5%	1%	7.5%
Ola, Rapido (Travel)	5%	5%	1%	4.5%
1MG, PharmaEasy, Apollo 24x7	5%	5%	1%	4.5%
BigBasket, FTH Daily (Grocery)	5%	1%	1%	7.5%
Other Online Spends* 💻	5%	5%	1%	4.5%
Offline Spends* 🛒	1%	1%	1%	7.5% (Apparel/Grocery) 4.5% (Other Categories)
Milestone Benefit 🎯	None	None	₹1,000 / 1L in a quarter (Lounge or Vouchers)	Above values with Milestone benefits
Monthly Cap	₹5,000 / Statement	10% = ₹1,500 / Statement 5% = ₹1,500 / Statement 1% = ₹500 / Statement	5% = ₹1,000 / Calendar Month 1% = ₹1,000 / Calendar Month	10x = ₹1L / 30 days 5x = ₹2L / 30 days 5% = ₹500 / 30 days 2% = ₹1,000 / 30 days Additional 5% (Grocery/Apparel) = ₹500 / 30 days
Accelarated Earnings	None	5% through SmartBuy	5% through SmartBuy	Above values with Accelarated Earnings
Redemption Fee	None	None	₹50 (max redeemable in a month ₹3000)	None
Works with Bank Offers(10% discount)#	No	No	Yes	Yes
Major Exclusions#	Fuel, Wallet, Rent, Jewelry, Education, Utility, Insurance, Gift Cards, Railway link	Fuel, Wallet, Rent, Jewelry, Govt link / link	Fuel, Wallet, Rent, Govt link	Fuel, Wallet, Rent, Govt, Utility, Insurance link

Thanks: @VISHESH_BANSAL and @drsel

^AU:
Activated Features (for this calculation) for 90 days:

• 2% Additional Cashback for Grocery/Apparel (₹236) Or 5% Additional Cashback (₹354)
• 10x Rewards on POS/Online Txns (₹354)
• 5% Cashback on Grocery/Apparel (₹354)

* Based on MCC (check 'link' for up-to date list)
# Varies time to time (check TnCs or 'link' for up-to date list)

Ref:
- https://www.technofino.in/community...-for-all-merchant-wise-data-collection.27562/
- https://www.technofino.in/community/threads/5-cashback-swiggy-hdfc-confirmed-merchants-list.27802/

For BigBasket, Swiggy and/or Zomato:

• HSBC Live+: https://www.technofino.in/community...-credit-card-elevate-everyday-spending.17087/
  • Best for grocery, and dining.
• AXIS Airtel: https://www.technofino.in/community...k-credit-card-maximizing-your-cashback.31701/
  • Best for utilities, and grocery.

IMO, These two needed even if you get one in the chart comparison. These are separate and ideal for specific purpose!

 

[Luser]

Category	SBI Cashback	HDFC Swiggy	HDFC Millennia
Fee/Fee Waiver	₹1,180 / 2L	LTF (till 31st Dec), or ₹590 / 2L	₹1,180 / 1L
Annual Fee Benefits/Net	None / (-₹1,180)	None / (₹-590)	₹1,000 / (-₹180)
Amazon, Flipkart, Myntra, Tata CLiQ	5%	5%	5%
Swiggy (Instamart, Food Order, Dineout)	5%	10%	5%
Zomato	5%	1%	5%
Uber	5%	5%	5%
Nykaa, Ola, Ajio (Shopping or Travel)	5%	5%	1%
1MG, PharmaEasy, Apollo 24x7 (Medicine)	5%	5%	1%
BigBasket, FTH Daily (Grocery or Dining)	5%	1%	1%
Other Online Spends*	5%	5%	1%
Offline Spends*	1%	1%	1%
Milestone Benefit	None	None	₹1,000 / 1L in a quarter (Lounge or Vouchers)
Monthly Cap	₹5,000 / Statement	5% = ₹1,500 / Statement 1% = No Cap	5% = ₹1,000 / Calendar Month 1% = ₹1,000 / Calendar Month
Redemption Fee	None	None	₹50 (max redeemable in a month ₹3000)
Works for Bank Offers(10% discount)#	No	No	Yes
Major Exclusions#	Fuel, Wallet, Rent, Jewelry, Education, Utility, Insurance, Gift Cards, Railway link	Fuel, Wallet, Rent, Jewelry, Govt + Gift or Grocery from 5% sites/apps link / link	Fuel, Wallet, Rent, Govt link

* based on MCC (check 'link' for up-to date list)
# varies time to time (check TnCs or 'link' for up-to date list)

Ref:
- https://www.technofino.in/community...-for-all-merchant-wise-data-collection.27562/
- https://www.technofino.in/community/threads/5-cashback-swiggy-hdfc-confirmed-merchants-list.27802/

I get 5% on purchasing AGV from Amazon
Which else can I use?
Also does swiggy card gives 5% on gytr via smartpay?

 

[helloworld]

I get 5% on purchasing AGV from Amazon
Which else can I use?
Also does swiggy card gives 5% on gytr via smartpay?

updated . .

 

[nishank]

I get 5% on purchasing AGV from Amazon
Which else can I use?
Also does swiggy card gives 5% on gytr via smartpay?

Is there any specific merchant code or all purchases on AGV give 5%

 

[CyberPsych]

LTF (till 31st Dec)

Swiggy HDFC LTF for all? I am seeing FYF in my swiggy app

 

[helloworld]

Swiggy HDFC LTF for all? I am seeing FYF in my swiggy app

through swiggy app if they offered lifetime free
not an already existing HDFC CC customer
for those HDFC Now offered as LTF

--- all these LTF, otherwise as per your price.

 

[CyberPsych]

for those HDFC Now offered as LTF

You mean, new to HDFC?

 

[helloworld]

You mean, new to HDFC?

https://applyonline.hdfcbank.com/xpressway.html?icid=hdfc_now_xpressway

login and check your offers, no cibil for that

 

[drsel]

Category	SBI Cashback	HDFC Swiggy	HDFC Millennia
Fee/Fee Waiver	₹1,180 / 2L	LTF (till 31st Dec), or ₹590 / 2L	₹1,180 / 1L
Annual Fee Benefits/Net	None / (-₹1,180)	None / (₹-590)	₹1,000 / (-₹180)
Amazon, Flipkart, Myntra, Tata CLiQ	5%	5%	5%
Swiggy (Instamart, Food Order, Dineout)	5%	10%	5%
Zomato	5%	1%	5%
Uber	5%	5%	5%
Nykaa, Ola, Ajio (Shopping or Travel)	5%	5%	1%
1MG, PharmaEasy, Apollo 24x7 (Medicine)	5%	5%	1%
BigBasket, FTH Daily (Grocery or Dining)	5%	1%	1%
Other Online Spends*	5%	5%	1%
Offline Spends*	1%	1%	1%
Milestone Benefit	None	None	₹1,000 / 1L in a quarter (Lounge or Vouchers)
Monthly Cap	₹5,000 / Statement	5% = ₹1,500 / Statement 1% = No Cap	5% = ₹1,000 / Calendar Month 1% = ₹1,000 / Calendar Month
Accelarated Earning Opportunity	None	5% through Smartbuy	5% through Smartbuy
Redemption Fee	None	None	₹50 (max redeemable in a month ₹3000)
Works for Bank Offers(10% discount)#	No	No	Yes
Major Exclusions#	Fuel, Wallet, Rent, Jewelry, Education, Utility, Insurance, Gift Cards, Railway link	Fuel, Wallet, Rent, Jewelry, Govt + Gift or Grocery from 5% sites/apps link / link	Fuel, Wallet, Rent, Govt link

* based on MCC (check 'link' for up-to date list)
# varies time to time (check TnCs or 'link' for up-to date list)

Ref:
- https://www.technofino.in/community...-for-all-merchant-wise-data-collection.27562/
- https://www.technofino.in/community/threads/5-cashback-swiggy-hdfc-confirmed-merchants-list.27802/

Congratulations 👏 very well done 👍
kindly also include --
Airtel (25% on Airtel, 10% on Zomato, Swiggy, Big basket and utilities)
Axis cashback (milestone based cashback)

 

[Jeevan raoJeevan rao is verified member.]

Category	SBI Cashback	HDFC Swiggy	HDFC Millennia
Fee/Fee Waiver	₹1,180 / 2L	LTF (till 31st Dec), or ₹590 / 2L	₹1,180 / 1L
Annual Fee Benefits/Net	None / (-₹1,180)	None / (₹-590)	₹1,000 / (-₹180)
Amazon, Flipkart, Myntra, Tata CLiQ	5%	5%	5%
Swiggy (Instamart, Food Order, Dineout)	5%	10%	5%
Zomato	5%	1%	5%
Uber	5%	5%	5%
Nykaa, Ola, Ajio (Shopping or Travel)	5%	5%	1%
1MG, PharmaEasy, Apollo 24x7 (Medicine)	5%	5%	1%
BigBasket, FTH Daily (Grocery or Dining)	5%	1%	1%
Other Online Spends*	5%	5%	1%
Offline Spends*	1%	1%	1%
Milestone Benefit	None	None	₹1,000 / 1L in a quarter (Lounge or Vouchers)
Monthly Cap	₹5,000 / Statement	5% = ₹1,500 / Statement 1% = No Cap	5% = ₹1,000 / Calendar Month 1% = ₹1,000 / Calendar Month
Accelarated Earning Opportunity	None	5% through Smartbuy	5% through Smartbuy
Redemption Fee	None	None	₹50 (max redeemable in a month ₹3000)
Works for Bank Offers(10% discount)#	No	No	Yes
Major Exclusions#	Fuel, Wallet, Rent, Jewelry, Education, Utility, Insurance, Gift Cards, Railway link	Fuel, Wallet, Rent, Jewelry, Govt + Gift or Grocery from 5% sites/apps link / link	Fuel, Wallet, Rent, Govt link

* based on MCC (check 'link' for up-to date list)
# varies time to time (check TnCs or 'link' for up-to date list)

Ref:
- https://www.technofino.in/community...-for-all-merchant-wise-data-collection.27562/
- https://www.technofino.in/community/threads/5-cashback-swiggy-hdfc-confirmed-merchants-list.27802/

For HDFC Swiggy card, there is a cap for 1% cashback, it is 500 rs per statement.

 

[helloworld]

Congratulations 👏 very well done 👍
kindly also include --
Airtel (25% on Airtel, 10% on Zomato, Swiggy, Big basket and utilities)
Axis cashback (milestone based cashback)

I started as '5% online cards', will see how to reformat and include both these cards. Tq

 

[helloworld]

Axis cashback (milestone based cashback)

Do you have product page URL of this card?

 

[drsel]

Do you have product page URL of this card?

 

[drsel]

Axis cashback cc gives max 5.656% cashback upto 4000 on 70714 online spends per statement, as follows --
100 on 5000
1750 on next 35000
2150 on next 30714
No cashback beyond 4000 on 70714 online spends per statement.

 

[helloworld]

I get 5% on purchasing AGV from Amazon

Its all about MCC. If its eligible you'll get irrespective of category or purpose.

Also does swiggy card gives 5% on gytr via smartpay?

YEs

 

[dexter_greycells]

For some who rarely do any e-commerce shopping, spend mostly offline and have utilities/recharges to pay for and don't want to get into all the discounted gift card headache, Axis Ace is better than any of the above cards with its 1.5% cashback with the usual exclusions. Utilities get 5% cashback and Swiggy, Zomato and Ola get 4% for a combined threshold of Rs 500 per month. The 1.5% cashback has no threshold. If your CC spends are in the low five-figures (say 25k a month) or lower then this is a fine card. Of late, GPay is offering Rs 1000 joining bonus with FYF. Annual fees are Rs 500 + GST with 2L as the spend based waiver.

 

[helloworld]

For some who rarely do any e-commerce shopping, spend mostly offline and have utilities/recharges to pay for and don't want to get into all the discounted gift card headache, Axis Ace is better than any of the above cards with its 1.5% cashback with the usual exclusions. Utilities get 5% cashback and Swiggy, Zomato and Ola get 4% for a combined threshold of Rs 500 per month. The 1.5% cashback has no threshold. If your CC spends are in the low five-figures (say 25k a month) or lower then this is a fine card. Of late, GPay is offering Rs 1000 joining bonus with FYF. Annual fees are Rs 500 + GST with 2L as the spend based waiver.

I would've preferred airtel card..

Utilities 10% cashback and Swiggy, Zomato 10% for upto 750 per month. 1% with the exclusions and no cap.

Best card for upto 2L spends and have partners in airtel app for recharges, utilities, and food.

- https://www.technofino.in/community...k-credit-card-maximizing-your-cashback.31701/

 

[federer.reddevil]

Is Education excluded or included in cashback for Swiggy CC?

 

[drsel]

Is Education excluded or included in cashback for Swiggy CC?

Only 1% base cashback for education categories

 

[helloworld]

Is Education excluded or included in cashback for Swiggy CC?

unlike any other or including own bank other cards, "hdfc used a cryptic words to provide cashback on swiggy cc", which is ..

"eligible mcc which bank decide time to time"

for now, you can get 1% but even if they don't provide we have no right to ask with those above words.