On a typical ₹50,000 a month, Swiggy HDFC Bank Credit Card returns about ₹12,312 a year after its fee and Kotak Cashback+ Credit Card about ₹8,220: a gap of ₹4,092. Points counted as cashback.
| Monthly card spend | Swiggy HDFC Bank Credit Card | Kotak Cashback+ Credit Card |
|---|---|---|
| ₹20,000 | ₹4,312 | ₹3,120 |
| ₹50,000 | ₹12,312 | ₹8,220 |
| ₹1,20,000 | ₹27,240 | ₹13,741 |
| Spending | Swiggy HDFC Bank Credit Card | Kotak Cashback+ Credit Card |
|---|---|---|
| Online shopping | ₹6,000 (5%) | ₹600 (0.5%) |
| Groceries | ₹960 (1%) | ₹2,640 (5%) |
| Food delivery | ₹3,072 (10%) | ₹2,400 (5%) |
| Dining out | ₹480 (1%) | ₹240 (0.5%) |
| Fuel | ₹0 (0%) | ₹1,440 (3%) |
| Bills & utilities | ₹600 (1%) | ₹0 (0%) |
| Travel & flights | ₹600 (1%) | ₹300 (0.5%) |
| UPI payments | ₹0 (0%) | ₹300 (0.5%) |
| Everything else | ₹600 (1%) | ₹300 (0.5%) |
| Swiggy HDFC Bank Credit Card | Kotak Cashback+ Credit Card | |
|---|---|---|
| Annual fee | ₹500 | ₹750 |
| Fee waived at | ₹2,00,000 a year | ₹2,00,000 a year |
| Foreign markup | Not published | Not published |
Swiggy HDFC Bank Credit Card · Kotak Cashback+ 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 Kotak Cashback+ Credit Card about ₹8,220: a gap of ₹4,092. 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: Swiggy HDFC Bank Credit Card ₹4,312, Kotak Cashback+ Credit Card ₹3,120. At ₹50,000 a month: Swiggy HDFC Bank Credit Card ₹12,312, Kotak Cashback+ Credit Card ₹8,220. At ₹1,20,000 a month: Swiggy HDFC Bank Credit Card ₹27,240, Kotak Cashback+ Credit Card ₹13,741.
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.