On a typical ₹50,000 a month, Swiggy HDFC Bank Credit Card returns about ₹12,312 a year after its fee and HDFC Bank MoneyBack+ Credit Card about ₹3,360: a gap of ₹8,952. Points counted as cashback.
| Monthly card spend | HDFC Bank MoneyBack+ Credit Card | Swiggy HDFC Bank Credit Card |
|---|---|---|
| ₹20,000 | ₹1,302 | ₹4,312 |
| ₹50,000 | ₹3,360 | ₹12,312 |
| ₹1,20,000 | ₹7,722 | ₹27,240 |
| Spending | HDFC Bank MoneyBack+ Credit Card | Swiggy HDFC Bank Credit Card |
|---|---|---|
| Online shopping | ₹1,320 (2%) | ₹6,000 (5%) |
| Groceries | ₹1,056 (2%) | ₹960 (1%) |
| Food delivery | ₹528 (2%) | ₹3,072 (10%) |
| Dining out | ₹96 (0.2%) | ₹480 (1%) |
| Fuel | ₹0 (0%) | ₹0 (0%) |
| Bills & utilities | ₹120 (0.2%) | ₹600 (1%) |
| Travel & flights | ₹120 (0.2%) | ₹600 (1%) |
| UPI payments | ₹0 (0%) | ₹0 (0%) |
| Everything else | ₹120 (0.2%) | ₹600 (1%) |
| HDFC Bank MoneyBack+ Credit Card | Swiggy HDFC Bank Credit Card | |
|---|---|---|
| Annual fee | ₹500 | ₹500 |
| Fee waived at | ₹50,000 a year | ₹2,00,000 a year |
| Foreign markup | Not published | Not published |
HDFC Bank MoneyBack+ Credit Card · Swiggy HDFC Bank Credit Card · Compare on your own spending
On a typical ₹50,000 a month, Swiggy HDFC Bank Credit Card returns about ₹12,312 a year after its fee and HDFC Bank MoneyBack+ Credit Card about ₹3,360: a gap of ₹8,952. That is for a typical mix of spending with points counted as cashback. The better card for you depends on where your money goes, so compare them on your own numbers on SahiCard.
At ₹20,000 a month: HDFC Bank MoneyBack+ Credit Card ₹1,302, Swiggy HDFC Bank Credit Card ₹4,312. At ₹50,000 a month: HDFC Bank MoneyBack+ Credit Card ₹3,360, Swiggy HDFC Bank Credit Card ₹12,312. At ₹1,20,000 a month: HDFC Bank MoneyBack+ Credit Card ₹7,722, Swiggy HDFC Bank Credit Card ₹27,240.
Each card's rates, caps, exclusions and fees are read from the bank's own pages (last on 2026-09-30), then applied to the same spending for both cards.