HDFC Swiggy vs SBI Air India Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Swiggy wins 7-2. Heavy Swiggy/Instamart users — 10% on the platform tops anything else. SBI Air India Signature is still the right call if air india loyalists — highest miles earn on ai bookings..
Side-by-side
| Criterion | HDFC Swiggy | SBI Air India Signature |
|---|---|---|
| Annual fee | ₹500 | · ₹4,999 |
| Joining fee | ₹500 | · ₹4,999 |
| Top reward rate | 10% (dining) | · 8% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 3-month Swiggy One membership (₹1,499 value) | = 20,000 Air India reward points |
| Fee waiver threshold | ₹200,000 / yr | · ₹500,000 / yr |
| Min income | ₹360,000 | · ₹1,200,000 |
| Min credit score | 740 | · 780 |
| 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
SBI Air India Signature
- 30 AI reward points per ₹100 on Air India bookings
- 4 reward points per ₹100 on others
- Air India Maharajah Club Silver
- 8 international + 8 domestic lounge visits/year
- Free Air India ticket on ₹5L spend
FAQ
›HDFC Swiggy vs SBI Air India Signature: 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, SBI Air India Signature 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). SBI Air India Signature: 20,000 Air India reward points.