Head-to-head · 🇮🇳 India
HDFC Swiggy vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Swiggy
Wins 7 of 10
IN
SBI Card
SBI Prime
Wins 1 of 10
Verdict
HDFC Swiggy wins 7-1. Heavy Swiggy/Instamart users — 10% on the platform tops anything else. SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | HDFC Swiggy | SBI Prime |
|---|---|---|
| Annual fee | ₹500 | · ₹2,999 |
| Joining fee | ₹500 | · ₹2,999 |
| Top reward rate | 10% (dining) | · 5% (shopping) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 3-month Swiggy One membership (₹1,499 value) | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | ₹200,000 / yr | · ₹300,000 / yr |
| Min income | ₹360,000 | · ₹480,000 |
| Min credit score | 740 | · 750 |
| Editorial rating | 4.5/5 | · 4.2/5 |
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 Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›HDFC Swiggy vs SBI Prime: which is better?
HDFC Swiggy wins on more dimensions (7 vs 1). 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).