Head-to-head · 🇮🇳 India
HDFC Swiggy vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Swiggy
Wins 6 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 3 of 10
Verdict
HDFC Swiggy wins 6-3. Heavy Swiggy/Instamart users — 10% on the platform tops anything else. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | HDFC Swiggy | SBI Aurum |
|---|---|---|
| Annual fee | ₹500 | · ₹9,999 |
| Joining fee | ₹500 | · ₹9,999 |
| Top reward rate | 10% (dining) | · 4% (general) |
| Base reward rate | · 1% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 3-month Swiggy One membership (₹1,499 value) | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹200,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹360,000 | · ₹3,500,000 |
| Min credit score | 740 | · 800 |
| Editorial rating | · 4.5/5 | 4.6/5 |
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 Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›HDFC Swiggy vs SBI Aurum: which is better?
HDFC Swiggy wins on more dimensions (6 vs 3). 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 Aurum 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 Aurum: 10,000 reward points + ₹10,000 brand voucher.