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Credit CardsComparisons

SBI Cashback Credit Card vs Swiggy BLCK HDFC Bank Credit Card

A head-to-head comparison of SBI Cashback Credit Card and Swiggy BLCK HDFC Bank Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

CashbackCard A
Annual Fee
₹999
Reward Rate
5% Flat Cashback
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CashbackCard B
Annual Fee
₹1,000
Reward Rate
10% on Swiggy, 5% Online
Apply Now Read full review →

Feature comparison

FeatureSBI CashbackSwiggy BLCK
Annual Fee₹999 (Waived on ₹2L spend)₹1,000 (Waived on ₹2L spend; joining fee waived on ₹75K in first 90 days)
Reward Rate5% Flat Cashback10% on Swiggy, 5% Online
Best ForOnline ShoppingHeavy Swiggy Users
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategorySBI CashbackSwiggy BLCK
Online shopping
Dining

Quick verdict

Choose SBI Cashback Credit Card if:

  • Lower annual fee (₹999 vs ₹1,000)

Choose Swiggy BLCK HDFC Bank Credit Card if:

  • You spend heavily on dining

Full pros & cons

SBI Cashback Credit Card

What's good
  • Direct statement credit — no point conversion needed
  • Works across Amazon, Flipkart, Swiggy, and 100+ online merchants
  • 1% cashback on offline POS spends (capped at ₹2,000/month)
Watch out for
  • 5% online cashback capped at ₹2,000/cycle; total cap across categories: ₹4,000/cycle (reduced from ₹5,000 in April 2026)
  • Government, rent, wallet load, utility, toll, and digital gaming payments excluded
  • No airport lounge access
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Swiggy BLCK HDFC Bank Credit Card

What's good
  • 10% cashback on Swiggy app spends — food ordering, Instamart, and Dineout (min ₹249/txn, capped ₹1,500/month)
  • 5% cashback on select online categories: apparel, electronics, pharmacies, cabs, travel, entertainment, Nykaa, Cleartrip, etc. (min ₹100, capped ₹1,500/month)
  • Complimentary 3-month Swiggy BLCK Membership on activation
  • Up to 19% off Cleartrip hotels + 6% on travel bookings; 12 free golf lessons + 4 green fees/year
Watch out for
  • 1% cashback on non-category spends capped at just ₹1,000/month
  • 10% Swiggy cashback requires minimum ₹249 per order
  • No airport lounge access despite being the premium variant
Apply Now
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