Head-to-head · 🇮🇳 India
HDFC Swiggy vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Swiggy
Wins 7 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 2 of 10
Verdict
HDFC Swiggy wins 7-2. Heavy Swiggy/Instamart users — 10% on the platform tops anything else. HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | HDFC Swiggy | HDFC Regalia |
|---|---|---|
| Annual fee | ₹500 | · ₹2,500 |
| Joining fee | ₹500 | · ₹2,500 |
| Top reward rate | 10% (dining) | · 2.7% (general) |
| Base reward rate | · 1% | 2.7% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = 3-month Swiggy One membership (₹1,499 value) | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | ₹200,000 / yr | · ₹300,000 / yr |
| Min income | ₹360,000 | · ₹1,200,000 |
| Min credit score | 740 | · 770 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
HDFC Swiggy
- 10% cashback on Swiggy (food, Instamart, Genie, Dineout)
- 5% cashback on online MCC merchants (Amazon, Flipkart, Myntra)
- 1% cashback on other spends
- Cashback auto-credited as Swiggy Money
- 1% fuel surcharge waiver
HDFC Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
FAQ
›HDFC Swiggy vs HDFC Regalia: which is better?
HDFC Swiggy wins on more dimensions (7 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Swiggy for its best categories, HDFC Regalia for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Swiggy: 3-month Swiggy One membership (₹1,499 value). HDFC Regalia: 2,500 reward points on first 90-day spend.