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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Card SELECT 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

SBI Card - Tata Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
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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

FeatureSBI Card - Tata Card SELECTSwiggy HDFC Bank Credit Card
Annual Fee₹2,999₹500
Joining Fee₹2,999₹500
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate1%1%
Reward CurrencyEmpower PointsCashback
NetworkVisaMastercard
Editor Rating7.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Card SELECT

No accelerated rewards listed

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

SBI Card - Tata Card SELECT

Pros

  • High reward rate of up to 5% value back at select Tata outlets.
  • Generous welcome and anniversary gift vouchers worth ₹3,000 each.
  • 1 Empower Point equals ₹1, offering simple and high-value redemption.
  • Accelerated 3x rewards on grocery, dining, and international spends.

Cons

  • High annual fee of ₹2,999 with no direct spend-based waiver mentioned for the fee itself (only voucher renewal).
  • International lounge visits are not complimentary despite Priority Pass membership.
  • Rewards are highly optimized for the Tata ecosystem, limiting flexibility for non-Tata loyalists.

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, SBI Card - Tata Card SELECT could be the better pick if its specific category strengths match your spending habits.

Choose SBI Card - Tata Card SELECT if

Maximum value back at brands like Croma, Westside, and Taj Hotels.

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: SBI Card - Tata Card SELECT or Swiggy HDFC Bank Credit Card?
Swiggy HDFC Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card - Tata Card SELECT could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card - Tata Card SELECT and Swiggy HDFC Bank Credit Card?
SBI Card - Tata Card SELECT has an annual fee of ₹2,999, while Swiggy HDFC Bank Credit Card has an annual fee of ₹500. Swiggy HDFC Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: SBI Card - Tata Card SELECT or Swiggy HDFC Bank Credit Card?
SBI Card - Tata Card SELECT offers a base reward rate of 1%. 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 SBI Card - Tata Card SELECT and Swiggy HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Card SELECT and Swiggy HDFC Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Card SELECT or Swiggy HDFC Bank Credit Card?
For beginners, Swiggy HDFC Bank Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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