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Side-by-Side Comparison|Updated March 2026

Shaurya SBI Card vs Swiggy HDFC Bank Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Shaurya SBI Card

7.5/10
Annual Fee₹250
Base Rewards0.0625%
NetworkRuPay
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HDFC Bank

Swiggy HDFC Bank Credit Card

8.5/10
Annual Fee₹500
Base Rewards1%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureShaurya SBI CardSwiggy HDFC Bank Credit Card
Annual Fee₹250₹500
Joining Fee₹250₹500
Fee Waiver Spend₹50,000₹2,00,000
Base Reward Rate0.0625%1%
Reward CurrencyReward PointsCashback
NetworkRuPayMastercard
Editor Rating7.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Shaurya SBI Card

  • 0.31% on CSD
  • 0.31% on Dining
  • 0.31% on Movies
  • 0.31% on Grocery

Swiggy HDFC Bank Credit Card

  • 0% on Swiggy (Food, Instamart, Di... — 1500 pts/month
  • 0% on Online Spends (Select MCCs) — 1500 pts/month

Pros & Cons

Shaurya SBI Card

Pros

  • Accelerated 5X reward points on CSD, dining, movies, and grocery spends.
  • Low annual fee of ₹250, easily waived on spending ₹50,000 annually.
  • Complimentary Personal Accident Insurance cover of ₹2 Lakh.
  • Welcome bonus of 1,000 reward points effectively offsets the joining fee.

Cons

  • No airport lounge access (available only on the Select variant).
  • Low base reward rate of 0.25% on non-accelerated categories.
  • Redemption fee of ₹99 + GST applies to reward redemptions.

Swiggy HDFC Bank Credit Card

Pros

  • 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) capped at ₹1,500/month
  • 5% cashback on online shopping across major platforms like Amazon, Flipkart, and Myntra
  • Complimentary 3-month Swiggy One membership as a welcome benefit
  • Cashback is directly credited to the credit card statement

Cons

  • No complimentary airport lounge access
  • Monthly cashback capping of ₹1,500 on Swiggy and ₹1,500 on online spends
  • Excludes cashback on fuel, rent, EMI, and jewelry transactions

Our Verdict

Swiggy HDFC Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Shaurya SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

Choose Swiggy HDFC Bank Credit Card if

High 10% cashback on food delivery and groceries via Instamart makes it the best card for the Swiggy ecosystem.

Frequently Asked Questions

Which is better: Shaurya SBI Card or Swiggy HDFC Bank Credit Card?
Swiggy HDFC Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Shaurya SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Shaurya SBI Card and Swiggy HDFC Bank Credit Card?
Shaurya SBI Card has an annual fee of ₹250, while Swiggy HDFC Bank Credit Card has an annual fee of ₹500. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend. Swiggy HDFC Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Shaurya SBI Card or Swiggy HDFC Bank Credit Card?
Shaurya SBI Card offers a base reward rate of 0.0625% with accelerated rewards on CSD and Dining. Swiggy HDFC Bank Credit Card offers 1% base rewards with bonuses on Swiggy (Food, Instamart, Di... and Online Spends (Select MCCs). The better choice depends on your primary spending categories.
Can I have both Shaurya SBI Card and Swiggy HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shaurya SBI Card and Swiggy HDFC Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Shaurya SBI Card or Swiggy HDFC Bank Credit Card?
For beginners, Shaurya SBI Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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