Cashback has become a must-have feature in credit cards, especially with our increasing spending on food delivery, online shopping, and entertainment. Two cards that stand out in this space are the Swiggy HDFC Credit Card and the HSBC Live+ Credit Card. Here’s a quick comparison to help you decide which one suits your lifestyle best!
Swiggy HDFC Credit Card
- Best for food lovers and frequent Swiggy users.
- Annual Fee: ₹500 + taxes.
- Key Benefits:
- 10% cashback on Swiggy orders (food, Dineout, Instamart).
- 5% cashback on online spends (Amazon, Myntra, Nykaa, etc.).
- 1% cashback on other spends (except fuel, rent, wallet, etc.).
- Welcome Perk: Free 3-month Swiggy One membership.
- Bonus Perks: 12 golf lessons, Mastercard benefits, and discounts on Agoda.
- Renewal Fee Waiver: Spend ₹2 lakh in a year to waive the annual fee.
Explore more with Swiggy HDFC Credit Card
HSBC Live+ Credit Card
- Best for frequent online shoppers and dining enthusiasts.
- Annual Fee: ₹999 + taxes (waived on spending ₹2 lakh in a year).
- Key Benefits:
- 10% cashback on groceries, food delivery, and dining.
- 1.5% cashback on all other spends.
- Welcome Perks: ₹250 Amazon gift voucher and ₹1,000 cashback on spending ₹20,000 in the first 30 days.
- Bonus Perks: 4 complimentary domestic lounge access annually, dining discounts across 1,000+ restaurants, and movie ticket offers.
Explore more with HSBC Live Plus Credit Card
Comparison Table:
| Category | Swiggy HDFC Credit Card | HSBC Live+ Credit Card |
|---|---|---|
| Joining/Renewal Fee | ₹500 + GST | ₹999 + GST |
| Reward Rate | 10% on Swiggy; 5% on online spends; 1% on others | 10% on groceries, food delivery, dining; 1.5% on all other spends |
| Rewards Redemption | Credited to cardholder’s account | Credited to cardholder’s account within 45 days |
| Welcome Benefits | Free 3-month Swiggy membership | ₹1,000 cashback on spending ₹20,000 in 30 days |
| Movie/Dining | 10% on Swiggy, BOGO on movies | 15% discount across 1,000+ restaurants |
| Travel Perks | 5% cashback on Ola/Uber | 4 complimentary domestic lounge access |
| Golf Privileges | 12 golf lessons with Mastercard World | N/A |
Both cards offer solid cashback and perks, but the Swiggy HDFC card is ideal for foodies, while the HSBC Live+ card is better for those who want a broader range of cashback on groceries, entertainment, and dining.
Pick the one that suits your lifestyle best and enjoy those cashback rewards!