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Side-by-Side Comparison|Updated March 2026

Swiggy HDFC Bank Credit Card vs Air India SBI Signature Card

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

HDFC Bank

Swiggy HDFC Bank Credit Card

8.5/10
Annual Fee₹500
Base Rewards1%
NetworkMastercard
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SBI Card

Air India SBI Signature Card

7.2/10
Annual Fee₹4,999
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSwiggy HDFC Bank Credit CardAir India SBI Signature Card
Annual Fee₹500₹4,999
Joining Fee₹500₹4,999
Fee Waiver Spend₹2,00,000N/A
Base Reward Rate1%0.25%
Reward CurrencyCashbackReward Points / Maharaja Points
NetworkMastercardVisa
Editor Rating8.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Swiggy HDFC Bank Credit Card

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

Air India SBI Signature Card

No accelerated rewards listed

Pros & Cons

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

Air India SBI Signature Card

Pros

  • High welcome bonus of 20,000 Reward Points worth up to ₹20,000 in Air India miles.
  • Accelerated 10 Reward Points per ₹100 spent on Air India ticket bookings.
  • Generous milestone benefits offering up to 1,00,000 bonus points annually.
  • 1:1 conversion ratio from Reward Points to Air India Maharaja Points (Air Miles).

Cons

  • High annual fee of ₹4,999 with no standard spend-based waiver.
  • Reward rate on Air India tickets was recently reduced from 30 to 10 points per ₹100.
  • International lounge access via Priority Pass is not complimentary (usage fee applies).

Our Verdict

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

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.

Choose Air India SBI Signature Card if

Best value for those who frequently book Air India flights and can maximize the 1:1 mile conversion.

Frequently Asked Questions

Which is better: Swiggy HDFC Bank Credit Card or Air India SBI Signature Card?
Swiggy HDFC Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Air India SBI Signature Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Swiggy HDFC Bank Credit Card and Air India SBI Signature Card?
Swiggy HDFC Bank Credit Card has an annual fee of ₹500, while Air India SBI Signature Card has an annual fee of ₹4,999. Swiggy HDFC Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Swiggy HDFC Bank Credit Card or Air India SBI Signature Card?
Swiggy HDFC Bank Credit Card offers a base reward rate of 1% with accelerated rewards on Swiggy (Food, Instamart, Di... and Online Spends (Select MCCs). Air India SBI Signature Card offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both Swiggy HDFC Bank Credit Card and Air India SBI Signature Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Swiggy HDFC Bank Credit Card and Air India SBI Signature Card can complement each other if they cover different reward categories.
Which card is better for beginners: Swiggy HDFC Bank Credit Card or Air India SBI Signature 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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