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

 

[theflash]

grocery items

not eligible for 5%

 

[Tazact]

Swiggy HDFC Cashback on Online Spends5% really? Please explain wrt SBI 5%

 

[unit vector]

not eligible for 5%

An interesting scenario, purchased via swiggy card, the otp has the name "Amazon pay..." and purchased via irctc card merchant name " Amazon grocery".

 

[pinki]

An interesting scenario, purchased via swiggy card, the otp has the name "Amazon pay..." and purchased via irctc card merchant name " Amazon grocery".View attachment 61605View attachment 61606

Millenia me AMAZON likh ke fir AMAZON GIFT CARD ho jata hai

 

[Tazact]

Does Swiggy card give 5% on Park+?

 

[theflash]

Does Swiggy card give 5% on Park+?

No afaik that is excluded as it comes under travel.

 

[Anindya98]

Does Swiggy card give 5% on Park+?

SBI CB offers 5% CB

 

[Ci9her]

I think I got some good cashback.

 

[pinki]

I think I got some good cashback.
View attachment 61667

Where did u spend for 5%?

 

[Ci9her]

Where did u spend for 5%?

I think Zepto and Zomato.

 

[Tazact]

so basicaly Swiggy HDFC as a 5% cb on online spending is misleading as mantioned in thread. As it offeres 5% cb on only selected MCC only . SBI 5% CB is no nonsense card for online CB .

 

[agrprashantagrprashant is verified member.]

Grocery purchases are not eligible

I didn't come across that particular clause. Where can I find it?

 

[Anindya98]

so basicaly Swiggy HDFC as a 5% cb on online spending is misleading as mantioned in thread. As it offeres 5% cb on only selected MCC only . SBI 5% CB is no nonsense card for online CB .

Both the cards give CB but the Swiggy one has more conditions than the SBI CB.
Better go with SBI CB for hassle-free 5% CB on eligible categories.

 

[unit vector]

I didn't come across that particular clause. Where can I find it?

The online grocery will fetch 1% cashback.

 

[pennypincher]

Have been using SBI CB Card for all my Online transactions. Have earned 35k so far this year 😈 have faced ZERO hassles so far.
Did not go with Swiggy CB because of multiple category wise caps which makes it very difficult to track and optimize - I am simple man

 

[SunnyM]

Those who don't have SBI cashback , Swiggy hdfc is the card now. The only good thing about HDFC swiggy atleast for me is very high credit limit, cashback on educational payment and its LTF.

 

[dravidsarang]

SBI CB will be the always go to No-Hassle CB card.
Only in case you are getting Swiggy HDFC LTF and do not have SBI CB go for it. There are so many TnC with Swiggy HDFC.
Already made ~18K in CB with SBI this year! 🙂

 

[unit vector]

I did a transaction with "toneteq.com" and bought a voice recorder last month and today I got 5% cashback. So, it's a good alternative for SBI CB if electronics items bought outside Amazon and flipkart.

 

[taskmaster]

I was thinking of getting SBI Cashback, but saw LTF Swiggy Hdfc offer and now i think i'm not gonna go with sbi. 1500 limit per month is good enough for me

 

[Jatin Kumar]

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

If I will purchase any Mobile product through Amazon or Flipkart then Will I get 5% cashback on HDFC Swiggy Credit Card ?