HDFC Swiggy BLCK vs SBI IRCTC Platinum

Compare HDFC Swiggy BLCK vs SBI IRCTC Platinum 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 IRCTC Platinum 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 IRCTC Platinum

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.3.4

Balanced value10.0

hdfc / VISA

HDFC Swiggy BLCK

Annual

₹1,000

Return

10%

Lounges

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

Balanced value3.4

sbi / VISA

SBI IRCTC Platinum

Annual

₹499

Return

Lounges

Forex

3.5%

Card summary

SBI IRCTC Platinum leans travel and lifestyle with ₹499 annual fee, 2% headline return potential, and 2 lounge access.

Pros

Strong benefit ceiling if you recover the ₹499 annual fee.
2% reward rate can outperform flat cashback for loyal users.
2 lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

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

Full card details

Metric

HDFC Swiggy BLCK

SBI IRCTC Platinum

Fees

Annual fee

₹1,000

₹499

Joining fee

₹1,000

₹499

Rewards

Cashback rate

10%

Reward rate

Travel

Forex markup

3.5%

Domestic lounges

International lounges

Benefits

Fuel waiver

Yes

Dining

Yes

Movies

Yes

Eligibility

Minimum income

₹5,00,000

₹2,00,000

HDFC Swiggy BLCK vs SBI IRCTC Platinum

Futuristic side-by-side card intelligence

HDFC Swiggy BLCK

SBI IRCTC Platinum

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