📝 TL;DR: Choose the HDFC Bank Swiggy Credit Card if you’re a foodie who frequently orders on Swiggy — it offers up to 20% cashback on Swiggy spends and partner restaurants. The SBI Cashback Credit Card is better suited for broader online spending, offering a flat 5% cashback on most online merchants (with a few category exclusions).
🧑💼 Reviewed by Tausif Shaikh, Credit Card Expert | 📅 Verified June 2025
The HDFC Bank Swiggy Credit Card vs SBI Cashback Credit Card debate often comes down to lifestyle and monthly purchase habits. If you spend frequently on food delivery and dine-outs, HDFC’s Swiggy card is a compelling choice with up to 20% cashback on Swiggy and partner restaurants. On the other hand, if your priority is earning a flat 5% cashback on a wide range of online purchases, the SBI Cashback Credit Card offers simplicity, value, and broad usability across e-commerce platforms.
Each card excels in different areas — the Swiggy card is food-focused while the SBI Cashback card is more versatile. The right card depends entirely on where you spend most often.
Here’s a side-by-side snapshot of monthly earnings based on common user behavior:
If your lifestyle revolves around food and restaurants, HDFC takes the crown. But if your expenses are spread across various online stores, SBI Cashback offers better consistency.
In my experience, the HDFC Swiggy Card works like magic for regular Swiggy users — I’ve saved thousands just on weekend takeouts and dine-in partner offers. But if you’re someone who buys gadgets, clothing, or pays bills online, SBI Cashback is a solid one-card strategy for universal savings.
🧑💼 Reviewed by Tausif Shaikh | 📅 Updated June 2025
Here’s a quick visual comparison of the HDFC Bank Swiggy Credit Card vs SBI Cashback Credit Card — covering cashback categories, redemption style, exclusions, and lifestyle fit — all in one glance. Ideal for quick decisions or sharing with friends.
For more details, you can visit the official HDFC Bank Swiggy Credit Card page or the official SBI Cashback Credit Card page.
📝 TL;DR: The HDFC Bank Swiggy Credit Card gives up to 20% cashback on Swiggy and dining offers, making it ideal for foodies. The SBI Cashback Credit Card offers flat 5% cashback on most online purchases, making it more suitable for general online spenders. Choose Swiggy if you eat out often, and SBI Cashback if you spend more across Amazon, Flipkart, and billers.
🖼️ Share this chart or download the 1-page PDF summary.
Reviewed by Tausif Shaikh | Credit Card Expert & Blogger | Verified June 2025
As a credit card reviewer and cashback enthusiast, I’ve found that the HDFC Swiggy Credit Card is unbeatable for those who order from Swiggy frequently — especially with restaurant partner discounts and food-specific perks. In contrast, the SBI Cashback Credit Card shines when used for general online shopping — you get flat 5% on Amazon, Flipkart, and utility billers (excluding a few categories like rent or fuel).
For instance, if you spend ₹5,000/month on Swiggy with the HDFC card, you get ₹1,000 cashback (20%). But with the SBI Cashback Card, the same ₹5,000 on food apps would only earn ₹50 (1%). However, if you spend ₹15,000 monthly on online shopping platforms, SBI would reward you ₹750 — making it a smarter choice for broader online use cases.
HDFC Bank Swiggy Credit Card is tailored for food delivery lovers, offering up to 10% cashback on Swiggy and 5% on partner brands like Instamart and Zomato. In contrast, the SBI Cashback Credit Card provides a flat 5% cashback on all online spends — including Amazon, Flipkart, and more — making it a versatile card for general online shopping.
If your spends revolve around Swiggy and daily groceries, Swiggy Card is the winner. But for broader ecommerce cashback, SBI Cashback Card is the smarter pick.
Wondering, “Is the SBI Cashback Card better than HDFC Swiggy for groceries and online orders?” Here’s a quick real-world breakdown to help you decide.
I’ve personally tested both cards over the past few months. The Swiggy card helped me save significantly on daily food orders, while the SBI Cashback card surprised me with the seamless rewards on electronics and flight bookings via Amazon and Flipkart.
“Many of my readers shared that SBI Cashback became their go-to for all online spends because of its flat 5% reward — no partner restrictions.”
This expert-reviewed comparison covers rewards, cashback caps, annual fee waivers, and real-world usability. Whether you’re a foodie or a smart online shopper, this section helps you pick the right card for your lifestyle.
💬 Still confused? Scroll down to our FAQ section for answers to the most searched user questions.
🧑💼 Reviewed by Tausif Shaikh | 📅 Updated June 2025
👉 Curious how much cashback you’d earn based on your monthly habits? Scroll down for calculators, fee waiver tips, and side-by-side comparisons.
In my experience, the instant cashback adjustment on Swiggy bills makes HDFC’s card feel more rewarding — especially during peak food delivery months.HDFC Swiggy Credit Card provides 10% cashback on Swiggy and 5% on Zomato, Instamart, and Blinkit — ideal for food lovers and frequent online grocery shoppers. Meanwhile, the SBI Cashback Credit Card offers 5% cashback on most online transactions (except categories like rent, fuel, and insurance).
If you’re loyal to Swiggy and similar platforms, HDFC’s co-branded card gives sharper value. But if you shop across Amazon, Flipkart, or Nykaa, SBI’s broader coverage might work better.
Personally, I’ve found the HDFC Swiggy Card perfect for monthly takeouts and Blinkit grocery runs — the savings stack up fast if you’re a regular user.
HDFC Bank Swiggy Credit Card is niche-focused on food and grocery partners, while SBI Cashback Card gives a more general-purpose benefit across ecommerce. Here’s a feature-by-feature breakdown:| Spend Category | HDFC Swiggy Card | SBI Cashback Card |
|---|---|---|
| Swiggy Orders | 10% Cashback | 5% Cashback |
| Zomato, Blinkit, Instamart | 5% Cashback | 5% Cashback |
| General Online Shopping | 1% Cashback | 5% Cashback |
| Offline Purchases | 0.5% Cashback | 1% Cashback |
| Utilities, Wallet Loads, Insurance, Fuel | ❌ No Cashback | ❌ No Cashback |
📌 Note: SBI Cashback credits directly to your account post statement; HDFC Swiggy cashback gets adjusted against your bill. Monthly caps apply — ₹5,000 (SBI) vs ₹1,000 (HDFC).
👉 Next: Use our Cashback Calculator to compare personalized savings on both cards.
🧑💼 Reviewed by Tausif Shaikh | 📅 Updated June 2025
| Category | Spend | HDFC Swiggy Cashback | SBI Cashback |
|---|---|---|---|
| Swiggy, Instamart, Zomato | ₹11,000 | ₹850 (10% on Swiggy, 5% on others) | ₹550 (5%) |
| Amazon, Flipkart, Nykaa | ₹14,000 | ₹280 (2%) | ₹700 (5%) |
| EdTech, OTT, Misc. Online | ₹8,000 | ₹160 (2%) | ₹400 (5%) |
| Total Cashback | ₹33,000 | ₹1,290 | ₹1,650 |
💬 In my experience: The HDFC Swiggy card was a lifesaver during a month of heavy Swiggy orders — I clocked ₹900+ in cashback just from one category. But for consistent, no-effort cashback on random purchases, I now use SBI Cashback more often.
💡 Tip: Use this structure to map your own spend — even minor changes (like shifting groceries from Amazon to Blinkit) can shift the winner card for your lifestyle.
📅 Reviewed by: Tausif Shaikh, Credit Card Analyst • Updated: June 10, 2025
🔗 Official Sources: HDFC Bank Swiggy Credit Card | SBI Cashback Credit Card
In 2025, mobile-first payments and UPI integration play a huge role in daily spending habits. Let’s compare how these two top cashback cards — HDFC Swiggy and SBI Cashback — stack up in terms of UPI linking, mobile wallets, and contactless usage.
| Payment Feature | HDFC Swiggy Credit Card | SBI Cashback Credit Card |
|---|---|---|
| UPI Linking (via RuPay Credit Card) | ❌ Not Supported (Visa only) | ✅ Yes (RuPay supports UPI via BHIM, GPay, PhonePe) |
| Tap & Pay (NFC / Mobile Wallets) | ✅ Yes (Visa via GPay, Samsung Pay) | ✅ Yes (Visa & RuPay via GPay, Paytm, PhonePe) |
| Card Network | Visa | Visa / RuPay (choose during application) |
“Can I use SBI Cashback Credit Card on UPI apps like GPay or PhonePe?” → Yes, but only if you hold the RuPay variant. HDFC Swiggy (Visa) does not support UPI for now.
💬 In my experience: I use both — SBI Cashback (RuPay) for UPI at kirana stores, and HDFC Swiggy for food delivery. It’s the best combo for maximum rewards and ease.
💡 Tip: Always check your card network (Visa or RuPay) before applying — it makes a big difference in UPI compatibility and rewards stacking.
📅 Fact Check (June 2025): Verified via official sites from SBI, RuPay, HDFC Bank, and Visa.
🔗 SBI Cashback Credit Card – Official Page
🔗 HDFC Swiggy Credit Card – Official Page
👨💼 Reviewed by Tausif Shaikh, Finance Blogger | Last updated: June 9, 2025
Both HDFC Bank Swiggy Credit Card and SBI Cashback Credit Card offer hands-free cashback redemption — you don’t need to log in, convert, or redeem manually. However, their redemption process varies slightly in how and when the cashback is credited.
Unlike reward programs that need app conversions or miles transfers, these two are perfect for users who want instant, automatic savings. Here’s how each works:
| Redemption Feature | HDFC Swiggy Credit Card | SBI Cashback Credit Card |
|---|---|---|
| Redemption Method | Cashback auto-credited to the card statement | Cashback auto-credited to the card account after statement generation |
| Minimum Redemption Threshold | None | None |
| Reward Portal or App Required? | ❌ No manual action needed | ❌ Not needed – credited automatically |
“Do I need to redeem HDFC Swiggy cashback manually?” → No, it is credited to your statement automatically without any action.
“Is SBI Cashback Credit Card cashback credited automatically?” → Yes, it is auto-credited within a few days after your statement is generated.
💬 From my own experience: I’ve found the Swiggy card’s credit method incredibly satisfying — especially when ₹500 cashback shows up on the bill with zero effort. SBI’s method is also great, just slightly delayed.
💡 Tip 1: Spend ₹10,000 on each card this month and check next month’s statement — both will reflect cashback with zero action needed.
💡 Tip 2: Try a ₹5,000 Flipkart or Amazon transaction on each card and experience instant cashback credit without needing any app login or OTP.
✅ Fact Check: Cashback redemption processes verified via official HDFC and SBI documentation as of June 2025. Reviewed for accuracy on June 9, 2025.
👨💼 Reviewed by: Tausif Shaikh, Credit Card Analyst – Updatepedia
🔗 HDFC Swiggy Credit Card – Official Page
🔗 SBI Cashback Credit Card – Official Page
If you’re a cashback-focused user who dislikes recurring fees, the SBI Cashback Credit Card may suit you better — it’s lifetime free with no renewal charges. In contrast, the HDFC Bank Swiggy Credit Card charges ₹500 annually with no waiver condition, making it a fixed recurring cost.
Below is a detailed cost breakdown to help you decide based on your monthly spend:
| Fee Component | HDFC Swiggy Card | SBI Cashback Card |
|---|---|---|
| Joining Fee | ₹500 + GST | ₹0 |
| Renewal Fee (Year 2+) | ₹500 + GST | ₹0 |
| Waiver Condition | ❌ No waiver | ✅ Lifetime free – no spend condition |
| Effective ROI (Low Spenders) | Negative – ₹500 fixed cost annually | Higher ROI due to zero fee |
| Monthly Spend (Online) | Cashback via SBI (5%) | Cashback via Swiggy HDFC (Avg 5%) | Swiggy Card ROI (after ₹500 fee) |
|---|---|---|---|
| ₹5,000 | ₹250 | ₹250 | −₹250 (loss) |
| ₹10,000 | ₹500 | ₹500 | Break-even |
| ₹15,000 | ₹750 | ₹750 | +₹250 (profit) |
ROI = Total Cashback – Annual Fee
Example: If you spend ₹1.5L/year and earn ₹7,500 cashback (5%), your ROI = ₹7,500 – ₹500 = ₹7,000 net gain.
“Which cashback credit card has no annual fees – SBI or HDFC Swiggy?” → SBI Cashback Credit Card is lifetime free. HDFC Swiggy has a ₹500 yearly fee.
“Does HDFC Swiggy Credit Card waive annual fee?” → No, it does not offer any waiver regardless of spending.
💬 From my experience: I’ve used both cards and find the SBI Cashback card more hassle-free long-term — not paying renewal fees makes every cashback rupee feel like true savings.
💡 Tip: If you don’t want to track milestones or chase waivers, go with SBI Cashback and relax. It’s especially useful for casual shoppers and bill payers.
✅ Fact Check: Fee structures and waiver terms validated from HDFC and SBI official documentation as of June 2025. Reviewed on June 9, 2025.
👨💼 Reviewed by: Tausif Shaikh, Credit Card Analyst – Updatepedia
🔗 HDFC Swiggy Credit Card – Official Page
🔗 SBI Cashback Credit Card – Official Page
HDFC Swiggy Credit Card gives 10% cashback on Swiggy and 5% on Zomato, Instamart & Blinkit — and it auto-adjusts cashback in the next bill. SBI Cashback Card credits 5% cashback on most online spends, auto-reflected within 3 days post-billing. No manual steps needed on either.
Personally, I’ve found HDFC’s cashback visibility a bit delayed compared to SBI’s quick credits — but both remain effortless to track and redeem.
| Feature | HDFC Swiggy Credit Card | SBI Cashback Credit Card |
|---|---|---|
| Redemption Type | Auto-adjusted in bill | Auto-credited post statement |
| Timeline | Next billing cycle | Within 3 working days |
| Manual Action Needed | ❌ None | ❌ None |
👉 Snapshot Verdict: If you value faster credit, go with SBI Cashback. Prefer food perks? Stick with HDFC Swiggy.
💡 Tip #1: Didn’t receive your cashback? I suggest contacting SBI Card or HDFC customer care within 5 days of statement generation. Their app support is generally quick to respond.
💡 Tip #2: Track cashback using the SBI or HDFC Card app dashboard — it’s more accurate than SMS or email summaries.
✅ Fact Check: Cashback rules confirmed from HDFC Bank Swiggy Card T&Cs and SBI Cashback Card details, June 2025.
🧑⚖️ Reviewed By: Tausif Shaikh, Finance Blogger • Updated on: June 10, 2025
Both cards charge ₹500/year, but cashback categories differ. HDFC Swiggy gives 10% back on Swiggy and 5% on Zomato, Instamart & Blinkit. SBI Cashback offers 5% on most online spends. This calculator helps estimate how soon you’ll recover the fee based on your monthly usage.
I personally find SBI Cashback Card’s speed of credit impressive, but if you order food often, Swiggy HDFC becomes a cashback machine.
SBI Cashback: --
HDFC Swiggy: --
🔍 Note: Enter monthly spending values. Assumes cashback is credited automatically with no exclusions.
✅ Fact Check: Cashback logic verified from HDFC Swiggy Card T&Cs and SBI Cashback Card Page as of June 2025.
🧑⚖️ Reviewed By: Tausif Shaikh, Finance Blogger • Updated on: June 10, 2025
If you want instant access, the HDFC Swiggy Credit Card gets you a virtual card right after approval. SBI Cashback Card also has a seamless online process, but it doesn’t issue an instant-use card post-approval.
In my experience, HDFC’s digital-first flow is ideal for those who frequently use Swiggy and don’t want to wait for a physical card to start earning rewards.
| Step | HDFC Swiggy Credit Card | SBI Cashback Credit Card |
|---|---|---|
| Eligibility Check | PAN, Aadhaar, Mobile on HDFC card portal | PAN, Aadhaar, Mobile on SBI Card portal |
| Document Upload | Aadhaar OTP + income proof | eKYC + income documents (upload or CKYC) |
| Verification Process | Instant with Aadhaar e-KYC | Usually 1–2 working days |
| Virtual Card Issuance | ✅ Instantly available post-approval | ❌ Not provided immediately |
| Physical Card Delivery | 5–7 working days | 5–7 working days |
“Which card offers instant virtual card after approval – SBI or HDFC?” → HDFC Swiggy Credit Card provides digital card access immediately.
“How long does it take to get the SBI Cashback Card?” → Application to card delivery takes about 7–10 working days.
Can I apply for SBI Cashback Card fully online?
Yes. You can complete the application using Aadhaar OTP and upload your income documents. No branch visit needed.
Does HDFC offer instant card usage after approval?
Yes. The Swiggy Credit Card is digitally issued and visible instantly in your HDFC mobile app or netbanking dashboard.
Which card is faster to activate – SBI or HDFC Swiggy?
HDFC Swiggy wins. With instant Aadhaar-based KYC, you can start using the card digitally within minutes of approval.
✅ Fact Check: Application steps and card timelines verified from HDFC Swiggy Card T&Cs and SBI Cashback Card Page, accurate as of June 2025.
✍️ Reviewed By: Tausif Shaikh, Finance Blogger • Updated on: June 10, 2025
Go for the HDFC Swiggy Credit Card if food delivery and grocery shopping via Instamart are your top monthly spends. Pick the SBI Cashback Credit Card if you regularly shop on Amazon, pay bills online, or want a flat 5% cashback experience. Personally, I use the Swiggy card for meals and the SBI Cashback for utilities — and the combo really stacks up the savings.
| Spending Type | Recommended Card | Why? |
|---|---|---|
| 🍕 Frequent Food Orders (Swiggy, Instamart) | ✅ HDFC Swiggy Credit Card | 10% cashback on Swiggy & Instamart + 5% on select dining – ideal for foodies |
| ➡️ Best for those who order food or groceries multiple times a week. | ||
| 🛒 Amazon / Utility / Online Bill Payers | ✅ SBI Cashback Credit Card | Flat 5% cashback on most online spends, including bill payments, flights & e-comm |
| ➡️ Best for Amazon buyers, OTT subscribers, and utility bill payers. | ||
| 💳 No-fuss Cashback Seekers | ✅ SBI Cashback Credit Card | No merchant restrictions, auto cashback to statement – very beginner-friendly |
| ➡️ Ideal for users who want automatic savings with zero tracking. | ||
| 📦 Mixed Spends: Food + Bills + Amazon | ✅ Use Both Cards Together | Split spends: Swiggy card for food, SBI Cashback for the rest – smart savings strategy |
| ➡️ Best combo if you want to stack category-specific cashback. | ||
| Card | Exclusions (No Cashback) |
|---|---|
| HDFC Swiggy Credit Card | Fuel, rent payments, wallet reloads, government services, EMI transactions |
| SBI Cashback Credit Card | Wallet loads, EMIs, rent, insurance payments, education, government services |
📌 Pro Tip: I recommend using the Swiggy card exclusively for food-related purchases and the SBI Cashback for everything else online (except the exclusions). Just don’t forget to read the fine print on excluded spends like insurance, rent, fuel, etc.
✅ Fact Check: Cashback rates, exclusions, and card features verified from official HDFC and SBI card sites as of June 2025.
🧑💼 Reviewed by: Tausif Shaikh, Credit Card Analyst | Updated: June 2025
🔗 Official Sources:
Swiggy HDFC Bank Credit Card | SBI Cashback Credit Card
This user maximizes cashback by using the HDFC Swiggy Credit Card for food delivery and grocery runs, while relying on the SBI Cashback Card for all other online purchases — including Amazon and utility bill payments. Swiggy card offers 10% cashback on Swiggy and Instamart, while SBI card gives 5% flat cashback on most online platforms but excludes food apps.
“Which card should I use for food orders vs Amazon or bill payments?” → Here’s how one smart user splits the strategy for maximum savings:
“I use the HDFC Swiggy Credit Card for all my Swiggy and Instamart orders — the 10% cashback adds up fast. For everything else like Amazon, Zomato Gold, and online bill payments, I prefer the SBI Cashback Card. It’s a great combo if your spends are category-based.”
— Rahul D., Verified User | 🗓️ Reviewed June 2025
📌 This real-world strategy helps maximize cashback by using the right card for the right category. In my experience, combining both can outperform most single reward cards — just ensure your spends align with the card’s reward buckets.
✅ Fact Check: Cashback rules, exclusions, and features verified from HDFC and SBI official pages as of June 2025.
🧑💼 Reviewed by: Tausif Shaikh, Credit Card Analyst | Updated: June 2025
🔗 Official Sources:
Swiggy HDFC Credit Card | SBI Cashback Credit Card
The HDFC Swiggy Credit Card is ideal if your monthly expenses revolve around food delivery and quick groceries. On the other hand, the SBI Cashback Card offers superior value for online shopping, Amazon orders, utility bills, and OTT subscriptions. Personally, I use Swiggy Card for food and Instamart, while SBI Cashback handles most of my non-food online spends — it’s a strategy that really works.
“In my experience, the Swiggy card crushes it for food savings, while the SBI Cashback is perfect for Amazon, phone bills, and even travel bookings. Using both based on category really helps optimize rewards.”
— Tausif Shaikh, Finance Blogger
Here’s a feature-by-feature breakdown of the strengths and limitations of both cards so you can choose based on your spending style:
| 🧩 Feature | 🍕 HDFC Swiggy Credit Card | 💳 SBI Cashback Credit Card |
|---|---|---|
| ✅ Pros |
|
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| ❌ Cons |
|
|
✅ Fact Check: Cashback percentages, categories, exclusions, and reward limits verified from official HDFC and SBI sites as of June 2025.
🧑💼 Reviewed by: Tausif Shaikh, Credit Card Analyst | Updated: June 2025
🔗 Official Sources:
Swiggy HDFC Credit Card | SBI Cashback Credit Card