Swiggy HDFC Bank Credit Card vs Titan SBI Credit Card
HDFC Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreVery Good
Annual Fee₹500
Max Reward10%
SBI CardScoreVery Good
Annual Fee₹2,999
Max Reward7.5%
Titan SBI Credit Card leads overall with a CardCheck Score of 79/100 (+6 pts over Swiggy HDFC Bank Credit Card).
4-Pillar Head-to-Head Breakdown
Swiggy vs TitanReward Power
35%Swiggy35/35
Titan35/35
Tie (35/35)
Fee Value & ROI
25%Swiggy22/25
Titan18/25
Swiggy Wins
Lounge & Travel
20%Swiggy4/20
Titan18/20
Titan Wins
Forex & Access
20%Swiggy12/20
Titan8/20
Swiggy Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 73
- 79Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 35/35
- 35/35
- Fee Value & ROI (25%)
- 22/25
- 18/25
- Lounge & Travel (20%)
- 4/20
- 18/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- HDFC Bank
- SBI Card
- Network
- Mastercard
- Visa
- Card type
- Co-branded
- Co-branded
- Best for
- Swiggy app users — 10% cashback on food, Instamart & eligible Swiggy spends
- Titan loyalists — 7.5% on Tanishq, Titan, Mia + lounge access
03—Fees
- Joining fee
- ₹500Best
- ₹2,999
- Annual fee
- ₹500Best
- ₹2,999
- Fee waiver
- ₹2,00,000Best
- ₹3,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 43.2%
- 42%Best
- APR (max)
- 45%
- 42%Best
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%
- 2%Best
- Max rate
- 10%Best
- 7.5%
- Monthly cap
- ₹1,500
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 2Best
- Lounge spend criteria
- —
- No spend condition
- Intl lounge / year
- 0
- 4Best
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹15,000
- ₹60,000
- Min CIBIL
- 750
- 720Best
- Invite only
Rows won
04of 11
07of 11
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 73 | 79Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 35/35 | 35/35 |
| Fee Value & ROI (25%) | 22/25 | 18/25 |
| Lounge & Travel (20%) | 4/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | SBI Card |
| Network | Mastercard | Visa |
| Card type | Co-branded | Co-branded |
| Best for | Swiggy app users — 10% cashback on food, Instamart & eligible Swiggy spends | Titan loyalists — 7.5% on Tanishq, Titan, Mia + lounge access |
03—Fees Differences highlighted | ||
| Joining fee | ₹500Best | ₹2,999 |
| Annual fee | ₹500Best | ₹2,999 |
| Fee waiver | ₹2,00,000Best | ₹3,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 43.2% | 42%Best |
| APR (max) | 45% | 42%Best |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1% | 2%Best |
| Max rate | 10%Best | 7.5% |
| Monthly cap | ₹1,500 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 2Best |
| Lounge spend criteria | — | No spend condition |
| Intl lounge / year | 0 | 4Best |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹15,000 | ₹60,000 |
| Min CIBIL | 750 | 720Best |
| Invite only | ||
| Rows won | 04of 11 | 07of 11 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Swiggy HDFC Bank Credit Card | Titan SBI Credit Card |
|---|---|---|
| CardCheck Score | 73/100Very Good | 79/100Very Good |
| Annual Fee | ₹500 | ₹2,999 |
| Fee Waiver Spend | ₹2L/yr | ₹3L/yr |
| Max Reward Potential | 10% | 7.5% |
| Domestic Lounge Access | None | 2 / quarter |
| International Lounge | None | 4 / year |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Swiggy HDFC Bank Credit Card if:
Your spending centers around swiggy app users — 10% cashback on food, instamart & eligible swiggy spends and you want direct partner rewards with HDFC Bank.
Choose Titan SBI Credit Card if:
Your spending aligns with titan loyalists — 7.5% on tanishq, titan, mia + lounge access and you prioritize SBI Card's redemption benefits.
Frequently asked questions: Swiggy HDFC Bank Credit Card vs Titan SBI Credit Card
- Which is better: Swiggy HDFC Bank Credit Card or Titan SBI Credit Card?
- Titan SBI Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 73/100 (Very Good) for Swiggy HDFC Bank Credit Card (a lead of +6 points). Titan SBI Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- Swiggy HDFC Bank Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, Titan SBI Credit Card charges an annual fee of ₹2,999 with an annual spend threshold of ₹3 Lakh.
- How do the reward rates and cashback compare between Swiggy HDFC Bank Credit Card and Titan SBI Credit Card?
- Swiggy HDFC Bank Credit Card offers a base reward rate of 1% and up to 10% on accelerated partner categories. Meanwhile, Titan SBI Credit Card offers a base rate of 2% and up to 7.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Swiggy HDFC Bank Credit Card or Titan SBI Credit Card?
- Swiggy HDFC Bank Credit Card provides no complimentary airport lounge access. On the other hand, Titan SBI Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year) and 4 international lounge visits/year with Priority Pass.
- Which card is better for international foreign currency spends?
- Swiggy HDFC Bank Credit Card levies a foreign currency markup fee of 3.5%, while Titan SBI Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).