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HDFC Swiggy BLCK vs SBI Cashback Card

Compare HDFC Swiggy BLCK vs SBI Cashback Card across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC Swiggy BLCK leads on reward rate, while SBI Cashback Card has the lowest annual fee.

Card 1

HDFC Swiggy BLCK

Monthly spenders who want visible cashback without chasing complex reward conversions.10.0

Card 2

SBI Cashback Card

Monthly spenders who want visible cashback without chasing complex reward conversions.6.0
HDFC Swiggy BLCK - HDFC credit card
Balanced value10.0

hdfc / VISA

HDFC Swiggy BLCK

Annual

₹1,000

Return

10%

Lounges

4

Forex

3.5%

Card summary
  • HDFC Swiggy BLCK leans cashback-first with ₹1,000 annual fee, 10% headline return potential, and 4 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,000 annual fee.
  • 10% cashback keeps value easy to understand.
  • 4 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
SBI Cashback Card
Balanced value6.0

sbi / VISA

SBI Cashback Card

Annual

₹999

Return

5%

Lounges

0

Forex

3.5%

Card summary
  • SBI Cashback Card leans cashback-first with ₹999 annual fee, 5% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 5% cashback keeps value easy to understand.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
HDFC Swiggy BLCK
SBI Cashback Card
Fees
Annual fee
₹1,000
₹999
Joining fee
₹1,000
₹999
Rewards
Cashback rate
10%
5%
Reward rate
4%
1%
Travel
Forex markup
3.5%
3.5%
Domestic lounges
4
0
International lounges
0
0
Benefits
Fuel waiver
No
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹5,00,000
₹5,00,000

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