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SBI Cashback vs HDFC Swiggy vs HDFC Millennia vs AU Lit

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helloworld

helloworld

TF Legend
Category​
SBI Cashback​
HDFC Swiggy​
HDFC Millennia​
AU LIT​
Fee / Fee Waiver₹1,180 / Waived on ₹2LLTF (till 31st Dec)#,
or ₹590 / Waived on ₹2L		LTF (till 15th Jan)#,
or ₹1,180 / Waived on ₹1L		₹3,776
Annual Fee Benefits / NetNone / (-₹1,180)None / (₹-590)₹1,000 / (-₹180)None / (₹-3,776)
Online Websites/Apps:backhand-index-pointing-down:On 20K/30 days Spends
^AU
Amazon, Flipkart, Myntra, Tata CLiQ5%5%5%7.5%
Swiggy (Instamart, Food, Dineout)5%10%5%7.5%
Zomato5%1%5%7.5%
Uber5%5%5%4.5%
Nykaa, Ajio (Shopping)5%5%1%7.5%
Ola, Rapido (Travel)5%5%1%4.5%
1MG, PharmaEasy, Apollo 24x75%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 🎯NoneNone₹1,000 / 1L in a quarter
(Lounge or Vouchers)		Above values with Milestone benefits
Monthly Cap :clock:₹5,000 / Statement10% = ₹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 None5% through SmartBuy5% through SmartBuyAbove values with Accelarated Earnings
Redemption Fee :pouting-face:NoneNone₹50 (max redeemable in a month ₹3000)None
Works with Bank Offers(10% discount)# :money-mouth-face:NoNoYesYes
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:
IMO, These two needed even if you get one in the chart comparison. These are separate and ideal for specific purpose!
 
Last edited by drsel:
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VISHESH_BANSAL said:
Activating 5% Milestone is Bewakoofi.

If we are spending 23k/30 day then 5% or 2% will be at Par in terms of Total Cashback after Adjusting Activation Charge.

Above 23k Spends till 50k, Every Spend will fetch 2%, if 2% Milestone is activated otherwise 0% if 5% Milestone is activated.

If anyone is not spending even 25k/30 Day then he is not utilizing AU LIT in an Optimum way
Click to expand...

agree, I included that those people who wants to spend non-apparel or dining category. So, used 10k for that 5% in above calculation.

But, as you said 25k is optimal spends required for this card, since calculations are complicated used that as reference and for uber, pharmasy, other offline or online spends.

Will adjust ... Thanks again!
 
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VISHESH_BANSAL said:
Below is the Detailed Summary of AU LIT for Complete 90 Days
(3 Cycles of 30 Days) and 50k Spends in Each Cycle.

(A) Grocery-MPIN

Spends:- 20k×3

Cashback:- (1000+400+400 Worth Points)×3

Charges :- 355(5%)+235(2%+10X)


Net return:-8%


(B) Apparel-Amazon/Flipkart/Ajio

Spends:- 20k×3

Cashback:- (1000+400+400 Worth Points)×3

Charges :- 235(5%)+235(2%+10X)


Net Return:-8.2%

(C) Miscellaneous/Offline Spends.

Out of Total Features Activation Charges of Rs.1,175, Rs.1060 is distributed Proportionately on Grocery and Apparel.
Remaining Charge of 115 is left.

Spends:- 10k×3 to exhaust Capping of 2% Milestone.

For such 10k×3 Spends we get
(200+200 worth Points)×3 against charges of just 115.

Net Return:-3.6%

Even After 50k spends any further online spends left , Flat 2% as RPs, Till 1 Lakh Spends/Statement.

If you can Max out each of the Categories as Mentioned then no other Cashback Card will beat this and It is easy to Max Out as I am personally doing it.

Time to Time AU Credit Free Money to Activate Features and Bonus Feature which gives 200 Cashback by Just Paying Rs.25 which Makes it More Rewading.

Calculate your returns yourself According to your Spending Patterns and decide which Cashback Card to Opt.
Click to expand...
I am bit confused here.
U havent considered 353 charges for rps in A and B.
Also, how did you calculate activation charges 1175 ?
 
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messi_10 said:
I am bit confused here.
U havent considered 353 charges for rps in A and B.
Click to expand...
I divided Proportionately. Already Mentioned it.
messi_10 said:
Also, how did you calculate activation charges 1175 ?
Click to expand...
199+GST for Apparel 5% Allocated whole charge to Apparel

299+GST for Grocery 5% Allocated Whole Charge to Grocery

2% Milestone Activation Charge 199+GST

10X RPs Activation Charge 299+GST

As 2%+10X is Applicable to whole 150k spends in 90 Days Period, Allocated these charges on the Basis of Amount of Spends in each Category.

Total 590, Out which 235 Allocated to Apparel, 235 Allocated to Grocery Remaining Allocated to Third Category.

Now Do a Quick Total of all the charges including GST it would be 1,175.28 INR
 
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VISHESH_BANSAL said:
I divided Proportionately. Already Mentioned it.

199+GST for Apparel 5% Allocated whole charge to Apparel

299+GST for Grocery 5% Allocated Whole Charge to Grocery

2% Milestone Activation Charge 199+GST

10X RPs Activation Charge 299+GST

As 2%+10X is Applicable to whole 150k spends in 90 Days Period, Allocated these charges on the Basis of Amount of Spends in each Category.

Total 590, Out which 235 Allocated to Apparel, 235 Allocated to Grocery Remaining Allocated to Third Category.

Now Do a Quick Total of all the charges including GST it would be 1,175.28 INR
Click to expand...
Thank you. Got it.
U mentioned u easily max out each month.
How do you do 20k for each month
for groceries and apparel ?
seems very unrealistic unless heavy spender on these categories.
 
Upvote 0 Downvote
messi_10 said:
Thank you. Got it.
U mentioned u easily max out each month.
How do you do 20k for each month
for groceries and apparel ?
seems very unrealistic unless heavy spender on these categories.
Click to expand...
For Apparel Gold from Ajio or AGC from Amazon. Combined 20k usage is Possible.

For Grocery Different Different Brands GCs from MPIN again Possible.

You have to Make it Primary Card then only Possible. Shift all spends to this and spend wisely. This is my Primary Card. I do not use any Other Card for day to Spends.
 
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Very nice comparison. I've only the Swiggy LTF card from these. Now I must try harder to get SBI Cashback, AU Lit, HDFC Millennia and Airtel Axis. Don't think I haven't tried 🙁
 
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Umang85 said:
Exceptions list includes gift cards...
From main post:
Fuel, Wallet, Rent, Jewelry, Govt
+ Gift or Grocery from 5% sites/apps
link / link
Click to expand...

yes that applicable on 5% online sites (selected categories), smartbuy is separate and has separate cap or restrictions which applicable all hdfc cards not only swiggy.

as of now only tatanue cards has separate structure in smartbuy.

helloworld

Revaluation Post in thread 'HDFC Bank Swiggy credit card cashback will be credited to the card statement instead of Swiggy Money, effective 21st June, 2024.'

roygarg said:
Has anyone tried placing Myntra order through SmartBuy using Swiggy card? Do we get 5%+5% cashback? Or is it just 5%?
Click to expand...

applicable not only this but any hdfc card.

smartbuy shopping is an affiliated program and if proper tracking mechanisms detected (like no items in cart already, same session etc.), you'll get its benefits.

this is limited to 1000 per month.

this applies all cards in hdfc. mb+ to Infinia.

+++

you'll get card benefits as per the product feature. if eligible 5% upto allowed limit.

Deals

SmartBuy is a platform only for display of offers extended by Merchants to HDFC Bank's Customers
offers.smartbuy.hdfcbank.com offers.smartbuy.hdfcbank.com
 
Last edited:
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Nice. Thanks for the clarification. Need to buy Amazon pay worth 15k more. Maxed out amex ones. So Swiggy card should give 5%- surcharge on smart buy right?
 
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