Swiggy HDFC Bank Credit Card vs ZET FD Credit Card
HDFC Bank · SBM Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreVery Good
Annual Fee₹500
Max Reward10%
SBM BankScoreVery Good
Annual FeeFree
Max Reward20%
ZET FD Credit Card leads overall with a CardCheck Score of 78/100 (+5 pts over Swiggy HDFC Bank Credit Card).
4-Pillar Head-to-Head Breakdown
Swiggy vs ZETReward Power
35%Swiggy35/35
ZET35/35
Tie (35/35)
Fee Value & ROI
25%Swiggy22/25
ZET25/25
ZET Wins
Lounge & Travel
20%Swiggy4/20
ZET4/20
Tie (4/20)
Forex & Access
20%Swiggy12/20
ZET14/20
ZET Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 73
- 78Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 35/35
- 35/35
- Fee Value & ROI (25%)
- 22/25
- 25/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- HDFC Bank
- SBM Bank
- Network
- Mastercard
- RuPay
- Card type
- Co-branded
- Secured
- Best for
- Swiggy app users — 10% cashback on food, Instamart & eligible Swiggy spends
- Building credit score with an FD-backed secured card and UPI rewards
03—Fees
- Joining fee
- ₹500
- FreeBest
- Annual fee
- ₹500
- FreeBest
- Fee waiver
- ₹2,00,000
- —
- Interest-free days
- 50Best
- 45
04—Interest
- APR (min)
- 43.2%
- 42%Best
- APR (max)
- 45%
- 42%Best
- Late payment fee
- ₹1,300
- ₹299Best
- Cash advance fee
- 2.5%Best
- 3.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%Best
- 0%
- Max rate
- 10%
- 20%Best
- Points / ₹100
- —
- 8
- Point value
- —
- ₹0.25
- Monthly cap
- ₹1,500
- ₹500
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 2.49%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 18
- Min income / month
- ₹15,000
- Free
- Min CIBIL
- 750
- 0Best
- Invite only
Rows won
03of 12
09of 12
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 73 | 78Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 35/35 | 35/35 |
| Fee Value & ROI (25%) | 22/25 | 25/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | SBM Bank |
| Network | Mastercard | RuPay |
| Card type | Co-branded | Secured |
| Best for | Swiggy app users — 10% cashback on food, Instamart & eligible Swiggy spends | Building credit score with an FD-backed secured card and UPI rewards |
03—Fees Differences highlighted | ||
| Joining fee | ₹500 | FreeBest |
| Annual fee | ₹500 | FreeBest |
| Fee waiver | ₹2,00,000 | — |
| Interest-free days | 50Best | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 43.2% | 42%Best |
| APR (max) | 45% | 42%Best |
| Late payment fee | ₹1,300 | ₹299Best |
| Cash advance fee | 2.5%Best | 3.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1%Best | 0% |
| Max rate | 10% | 20%Best |
| Points / ₹100 | — | 8 |
| Point value | — | ₹0.25 |
| Monthly cap | ₹1,500 | ₹500 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 2.49%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 18 |
| Min income / month | ₹15,000 | Free |
| Min CIBIL | 750 | 0Best |
| Invite only | ||
| Rows won | 03of 12 | 09of 12 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Swiggy HDFC Bank Credit Card | ZET FD Credit Card |
|---|---|---|
| CardCheck Score | 73/100Very Good | 78/100Very Good |
| Annual Fee | ₹500 | Free (₹0) |
| Fee Waiver Spend | ₹2L/yr | No waiver |
| Max Reward Potential | 10% | 20% |
| Domestic Lounge Access | None | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 2.49% |
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 ZET FD Credit Card if:
Your spending aligns with building credit score with an fd-backed secured card and upi rewards and you prioritize SBM Bank's redemption benefits.
Frequently asked questions: Swiggy HDFC Bank Credit Card vs ZET FD Credit Card
- Which is better: Swiggy HDFC Bank Credit Card or ZET FD Credit Card?
- ZET FD Credit Card holds a higher overall rating with a CardCheck Score of 78/100 (Very Good) compared to 73/100 (Very Good) for Swiggy HDFC Bank Credit Card (a lead of +5 points). ZET FD 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, ZET FD Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between Swiggy HDFC Bank Credit Card and ZET FD Credit Card?
- Swiggy HDFC Bank Credit Card offers a base reward rate of 1% and up to 10% on accelerated partner categories. Meanwhile, ZET FD Credit Card offers a base rate of 0% and up to 20% 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 ZET FD Credit Card?
- Swiggy HDFC Bank Credit Card provides no complimentary airport lounge access. On the other hand, ZET FD Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- Swiggy HDFC Bank Credit Card levies a foreign currency markup fee of 3.5%, while ZET FD Credit Card charges 2.49%. 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).