HDFC Bank Swiggy vs SBI SimplySAVE Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  HDFC Bank Swiggy Credit CardHDFC Bank7 recent changes → |  SBI SimplySAVE Credit CardState Bank of India4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends; 10% only at partner merchants | 0.17% base, up to 1.67% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 1%; 5% only at Apparel, Electronics, Department Stores, Online Pet Stores, Home Décor, Personal Care, Local Cabs, Entertainment, Pharmacies, Discount Stores, Cleartrip | 0.17% | |
| Dining and food delivery | 1%; 10% only at Swiggy app | 1.67% | |
| Groceries | 1% | 1.67% | |
| Travel: flights, hotels, trains | 1% | 0.17% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 1% | 0.17% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 1% | 0.17% | |
| School and college fees | 1% | 0.17% | |
| Wallet top-ups | Earns nothing | 0.17% | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 1% | 0.17% | |
| Everything else | 1% | 0.17% | |
| Card identity | |||
| Card typesame | Dining | Dining | |
| Network | Mastercard | Visa | |
| Card tier | Mid | Entry | |
| Fees | |||
| Joining fee | ₹500 + GST | ₹499 + GST | |
| Annual fee | ₹500 + GST | ₹499 + GST | |
| Fee waived at | ₹2,00,000 | ₹1,00,000 | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 60 years | - | |
| Employment type | - | BOTH | |
| Min monthly salary | ₹15,000 | - | |
| Rewards | |||
| Reward type | Cashback | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Fuel waiver cap | - | ₹100 | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly)same | 3.75% | 3.75% | |
| Interest rate (annual)same | 45% | 45% | |
| Page content | |||
| Documents needed | - | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,400
- Fee a year
- ₹0
- You keep
- ₹2,400
- Rewards a year
- ₹1,320
- Fee a year
- ₹0
- You keep
- ₹1,320
At this spend, HDFC Bank Swiggy Credit Card comes out ₹1,080 a year ahead of SBI SimplySAVE Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Regular Swiggy food and Instamart users
- Online shoppers
- Young professionals living in cities
- First-time card users
- Families with regular grocery bills
- People who eat out often
Watch-Outs
- Monthly caps on every cashback tier
- No lounge access
- Waiver needs Rs 2 lakh of spend
- Very low rate outside 10X categories
- Accelerated points are capped monthly
- No lounge access
Card data sourced via CardAdvisor.in (HDFC Bank Swiggy Credit Card, SBI SimplySAVE Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, HDFC Bank Swiggy Credit Card or SBI SimplySAVE Credit Card?
SBI SimplySAVE Credit Card. SBI SimplySAVE Credit Card: ₹499; HDFC Bank Swiggy Credit Card: ₹500. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
HDFC Bank Swiggy Credit Card has the lowest forex markup. HDFC Bank Swiggy Credit Card: 3.5%; SBI SimplySAVE Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: HDFC Bank Swiggy Credit Card 1%, SBI SimplySAVE Credit Card 0.17%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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