Vyaya
Side-by-Side Comparison|Updated March 2026

Swiggy HDFC Bank Credit Card vs ICICI Bank Manchester United Signature Credit 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
View Full Details

ICICI Bank

ICICI Bank Manchester United Signature Credit Card

6.5/10
Annual Fee₹2,499
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureSwiggy HDFC Bank Credit CardICICI Bank Manchester United Signature Credit Card
Annual Fee₹500₹2,499
Joining Fee₹500₹2,499
Fee Waiver Spend₹2,00,000₹2,50,000
Base Reward Rate1%0.25%
Reward CurrencyCashbackICICI Reward Points
NetworkMastercardVisa
Editor Rating8.5/106.5/10
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

ICICI Bank Manchester United Signature Credit Card

  • 0% on Manchester United Match Days

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

ICICI Bank Manchester United Signature Credit Card

Pros

  • Exclusive Manchester United branded welcome gift (Holdall and Football).
  • Accelerated 5 reward points per ₹100 spent on Manchester United match days.
  • Opportunity for top spenders to win a fully paid 'Manchester United Experience' at Old Trafford.
  • 25% discount on movie tickets twice a month on BookMyShow and INOX.

Cons

  • Lounge access requires a high spend of ₹75,000 in the previous calendar quarter.
  • High annual fee of ₹2,499 for a co-branded card with limited non-football benefits.
  • Reward points on rent, fuel, and utilities are heavily restricted or excluded.

Our Verdict

Swiggy HDFC Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature Credit 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 ICICI Bank Manchester United Signature Credit Card if

Exclusive access to club merchandise, discounts at the Red Cafe, and chances to visit Old Trafford.

Frequently Asked Questions

Which is better: Swiggy HDFC Bank Credit Card or ICICI Bank Manchester United Signature Credit Card?
Swiggy HDFC Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank Manchester United Signature Credit 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 ICICI Bank Manchester United Signature Credit Card?
Swiggy HDFC Bank Credit Card has an annual fee of ₹500, while ICICI Bank Manchester United Signature Credit Card has an annual fee of ₹2,499. Swiggy HDFC Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend. ICICI Bank Manchester United Signature Credit Card offers a fee waiver on ₹2,50,000 annual spend.
Which card has better rewards: Swiggy HDFC Bank Credit Card or ICICI Bank Manchester United Signature Credit 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). ICICI Bank Manchester United Signature Credit Card offers 0.25% base rewards with bonuses on Manchester United Match Days. The better choice depends on your primary spending categories.
Can I have both Swiggy HDFC Bank Credit Card and ICICI Bank Manchester United Signature Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Swiggy HDFC Bank Credit Card and ICICI Bank Manchester United Signature Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Swiggy HDFC Bank Credit Card or ICICI Bank Manchester United Signature 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.

Related Comparisons

Swiggy HDFC Bank Credit Card vs Amazon Pay ICICI Bank Credit CardICICI Bank Manchester United Signature Credit Card vs Amazon Pay ICICI Bank Credit CardSwiggy HDFC Bank Credit Card vs Axis Bank - Flipkart Axis Bank Credit CardICICI Bank Manchester United Signature Credit Card vs Axis Bank - Flipkart Axis Bank Credit CardSwiggy HDFC Bank Credit Card vs ICICI Bank Manchester United Platinum Credit CardICICI Bank Manchester United Signature Credit Card vs ICICI Bank Manchester United Platinum Credit CardSwiggy HDFC Bank Credit Card vs SBI Card ELITEICICI Bank Manchester United Signature Credit Card vs SBI Card ELITE

Explore More

Swiggy HDFC Bank Credit Card Full ReviewICICI Bank Manchester United Signature Credit Card Full ReviewAll HDFC Bank CardsAll ICICI Bank CardsBrowse All Credit CardsCredit Card Guides & Tips