SBI Cashback vs HDFC Swiggy vs HDFC Millennia

helloworld · Nov 28, 2024

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%	7.42%
Swiggy (Instamart, Food, Dineout)	5%	10%	5%	7.42%
Zomato	5%	1%	5%	7.42%
Uber	5%	5%	5%	4.64%
Nykaa, Ola, Ajio (Shopping/Travel)	5%	5%	1%	7.42%
1MG, PharmaEasy, Apollo 24x7	5%	5%	1%	4.64%
BigBasket, FTH Daily (Grocery)	5%	1%	1%	7.42%
*Other Online Spends 💻**	5%	5%	1%	4.64%
*Offline Spends 🛒**	1%	1%	1%	7.42% (Apparel/Grocery) 4.64% (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) = ₹1,000 / 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 + Gift or Grocery from 5% sites/apps 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/
AXIS Airtel: https://www.technofino.in/community...k-credit-card-maximizing-your-cashback.31701/

federer.reddevil · Dec 5, 2024

drsel said:
Only 1% base cashback for education categories

helloworld said:
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.

Well something is better than nothing....

Hisoka · Dec 6, 2024

helloworld said:
Category SBI Cashback HDFC Swiggy HDFC Millennia
Fee / Fee Waiver ₹1,180 / Waived on ₹2L LTF (till 31st Dec)#, or ₹590 / Waived on ₹2L ₹1,180 / Waived on ₹1L
Annual Fee Benefits / Net None / (-₹1,180) None / (₹-590) ₹1,000 / (-₹180)
Online Websites/Apps
Amazon, Flipkart, Myntra, Tata CLiQ 5% 5% 5%
Swiggy (Instamart, Food, Dineout) 5% 10% 5%
Zomato 5% 1% 5%
Uber 5% 5% 5%
Nykaa, Ola, Ajio (Shopping/Travel) 5% 5% 1%
1MG, PharmaEasy, Apollo 24x7 5% 5% 1%
BigBasket, FTH Daily (Grocery) 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 10% = ₹1,500 / Statement
5% = ₹1,500 / Statement
1% = ₹500 / Statement 5% = ₹1,000 / Calendar Month
1% = ₹1,000 / Calendar Month
Accelarated Earnings None 5% through SmartBuy 5% through SmartBuy
Redemption Fee None None ₹50 (max redeemable in a month ₹3000)
Works with 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 BigBasket, Swiggy and/or Zomato:
- https://www.technofino.in/community...-credit-card-elevate-everyday-spending.17087/
- https://www.technofino.in/community...k-credit-card-maximizing-your-cashback.31701/

HSBC Cashback laughs in the corner

drsel · Dec 6, 2024

Hisoka said:
HSBC Cashback laughs in the corner

Yes please add HSBC cashback Airtel and Axis cashback in the comparison chart

Umang85 · Dec 6, 2024

Please add HSBC Live+ to the post also. Would be a nice comparison. Have both live+ and Swiggy.

Sahil_07 · Dec 6, 2024

helloworld said:
Category SBI Cashback HDFC Swiggy HDFC Millennia
Fee / Fee Waiver ₹1,180 / Waived on ₹2L LTF (till 31st Dec)#, or ₹590 / Waived on ₹2L ₹1,180 / Waived on ₹1L
Annual Fee Benefits / Net None / (-₹1,180) None / (₹-590) ₹1,000 / (-₹180)
Online Websites/Apps
Amazon, Flipkart, Myntra, Tata CLiQ 5% 5% 5%
Swiggy (Instamart, Food, Dineout) 5% 10% 5%
Zomato 5% 1% 5%
Uber 5% 5% 5%
Nykaa, Ola, Ajio (Shopping/Travel) 5% 5% 1%
1MG, PharmaEasy, Apollo 24x7 5% 5% 1%
BigBasket, FTH Daily (Grocery) 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 10% = ₹1,500 / Statement
5% = ₹1,500 / Statement
1% = ₹500 / Statement 5% = ₹1,000 / Calendar Month
1% = ₹1,000 / Calendar Month
Accelarated Earnings None 5% through SmartBuy 5% through SmartBuy
Redemption Fee None None ₹50 (max redeemable in a month ₹3000)
Works with 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 BigBasket, Swiggy and/or Zomato:
- https://www.technofino.in/community...-credit-card-elevate-everyday-spending.17087/
- https://www.technofino.in/community...k-credit-card-maximizing-your-cashback.31701/

Does Swiggy give 5% for educational payments?

helloworld · Dec 6, 2024

Sahil_07 said:
Does Swiggy give 5% for educational payments?

1%*

*TnCs apply

helloworld · Dec 6, 2024

Hisoka said:
HSBC Cashback laughs in the corner

Umang85 said:
Please add HSBC Live+ to the post also. Would be a nice comparison. Have both live+ and Swiggy.

drsel said:
Yes please add HSBC cashback Airtel and Axis cashback in the comparison chart

This post primarily focuses on 5% online cards, which cover some major online partners. I believe around 70% of online shopping happens on websites included under cards like HDFC Millennia, so I included that card in the comparison.

These three cards are closely related, and if someone has one of them, they can safely ignore the other two which is redundant to their purpose.

Regarding HSBC Live+, IMO, it is primarily designed for food/grocery-related purchases, not for general shopping or other online platforms. It serves a specific purpose and is separate from the cards discussed here.

As for Axis Cashback, I’ll definitely include it once the details are available on the Axis Bank website. I believe they’ll refresh the card to match the offerings of these cards. Once TnCs are available on the Axis website, will include in this list.

For HSBC Live+: https://www.technofino.in/community...-credit-card-elevate-everyday-spending.17087/

drsel · Dec 8, 2024

helloworld said:
Category SBI Cashback HDFC Swiggy HDFC Millennia
Fee / Fee Waiver ₹1,180 / Waived on ₹2L LTF (till 31st Dec)#, or ₹590 / Waived on ₹2L ₹1,180 / Waived on ₹1L
Annual Fee Benefits / Net None / (-₹1,180) None / (₹-590) ₹1,000 / (-₹180)
Online Websites/Apps
Amazon, Flipkart, Myntra, Tata CLiQ 5% 5% 5%
Swiggy (Instamart, Food, Dineout) 5% 10% 5%
Zomato 5% 1% 5%
Uber 5% 5% 5%
Nykaa, Ola, Ajio (Shopping/Travel) 5% 5% 1%
1MG, PharmaEasy, Apollo 24x7 5% 5% 1%
BigBasket, FTH Daily (Grocery) 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 10% = ₹1,500 / Statement
5% = ₹1,500 / Statement
1% = ₹500 / Statement 5% = ₹1,000 / Calendar Month
1% = ₹1,000 / Calendar Month
Accelarated Earnings None 5% through SmartBuy 5% through SmartBuy
Redemption Fee None None ₹50 (max redeemable in a month ₹3000)
Works with 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 BigBasket, Swiggy and/or Zomato:
- https://www.technofino.in/community...-credit-card-elevate-everyday-spending.17087/
- https://www.technofino.in/community...k-credit-card-maximizing-your-cashback.31701/

Very interesting comparisons

helloworld · Dec 8, 2024

@drsel or anyone Could someone share the current plans for "AU LIT" or URL, will include in this list based on calculations.

ankitvm · 2024-12-19T01:36:34+0530

1/ Recently, I made HDFC approve my Swiggy Credit Card and my first bill has finally been generated. Let’s break it down and see how it performed. 🧵

2/ Amazon Purchase (5% Cashback)

Purchased a phone for ₹29,995 on Amazon (29th Nov 2024).

Cashback Received: ₹1,499.75 ✅

So yes, this card gives 5% cashback even on phone purchases.

3/ Swiggy Spend (10% Cashback)

Swiggy Food & Instamart: Spent ₹1,978.

Cashback Received: ₹197.80 ✅

4/ Cashback Timeline

Bill Generated: 14th Dec 2024

Cashback Credited: 16th Dec 2024 (2 days after).

The cashback process is smooth and fast – no delays.

5/ Conclusion:

5% cashback on Amazon worked flawlessly (all shopping including phone).

10% cashback on Swiggy Food & Instamart is consistent.

This card is living up to its promise so far.

6/ Anyone else using the HDFC Swiggy Credit Card? How’s your cashback experience? Let’s discuss! 👇

helloworld · 2024-12-19T06:32:40+0530

Thread 'SBI Cashback vs HDFC Swiggy vs HDFC Millennia'

Nov 28, 2024

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...

: )

drsel · 2024-12-19T10:59:05+0530

helloworld said:
Thread 'SBI Cashback vs HDFC Swiggy vs HDFC Millennia'

Nov 28, 2024

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...

helloworld

bill card credit card hdfc hdfc swiggy hdfc swiggy credit card swiggy swiggy credit card

Replies: 38

Forum: Credit Card Comparison

: )

I am still waiting for you to include Airtel and Axis cashback

helloworld · 2024-12-19T12:15:49+0530

drsel said:
I am still waiting for you to include Airtel and Axis cashback

will do once axis cashback available in website. also, could you share AU LIT features and current prices.

drsel · 2024-12-19T15:22:10+0530

helloworld said:
will do once axis cashback available in website. also, could you share AU LIT features and current prices.

Axis Airtel (Rs.590) for--
a. Airtel bills--prepaid, billing, broadband
Return 25% cashback (max. 250 on 1000 per statement/billing cycle)
b. Utility bills--Electricity, Gas, Water, DTH
Return 10% cashback (max. 250 on 2500 per statement/billing cycle)
c. Swiggy, Zomato
Return 10% cashback (max. 500 on 5000 per statement/billing cycle)
Cashback credited 3 days prior to the next statement/bill.

AU Lit (LTF) for--
a. Grocery (but not departmental Store)
Activate 3-- grocery, target, offline, for 353+353+353 fee for 3 months
Return 8.97% on 10k after deducting fees
b. Apparel (all clothing stores)
Activate 3--apparel, target, offline for 235+353+353 fee for 3 months.
Return 9.36% on 10k after deducting fees

drsel · 2024-12-19T15:44:23+0530

Now kindly include these in your excellent tabular chart @helloworld

great · 2024-12-19T15:57:15+0530

If I use Swiggy hdfc cc for payment to Swiggy through cred pay
Will I get cashback?

VISHESH_BANSAL · 2024-12-19T16:12:18+0530

helloworld said:
will do once axis cashback available in website. also, could you share AU LIT features and current prices.

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.

helloworld · 2024-12-19T17:14:10+0530

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.

drsel said:
Axis Airtel (Rs.590) for--
a. Airtel bills--prepaid, billing, broadband
Return 25% cashback (max. 250 on 1000 per statement/billing cycle)
b. Utility bills--Electricity, Gas, Water, DTH
Return 10% cashback (max. 250 on 2500 per statement/billing cycle)
c. Swiggy, Zomato
Return 10% cashback (max. 500 on 5000 per statement/billing cycle)
Cashback credited 3 days prior to the next statement/bill.

AU Lit (LTF) for--
a. Grocery (but not departmental Store)
Activate 3-- grocery, target, offline, for 353+353+353 fee for 3 months
Return 8.97% on 10k after deducting fees
b. Apparel (all clothing stores)
Activate 3--apparel, target, offline for 235+353+353 fee for 3 months.
Return 9.36% on 10k after deducting fees

Check once, added AU Lit.

VISHESH_BANSAL · 2024-12-19T18:30:01+0530

helloworld said:
Check once, added AU Lit.

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

SBI Cashback vs HDFC Swiggy vs HDFC Millennia

TF Legend

TF Ace

TF Ace

TF Prestige

TF Select

TF Ace

TF Legend

TF Legend

TF Prestige

TF Legend

TF Buzz

TF Legend

TF Prestige

TF Legend

TF Prestige

TF Prestige

TF Premier

TF Pioneer

TF Legend

TF Pioneer

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