American Express Platinum Travel Credit Card
American Express
Rewards 1.0%
Net Value ₹20,036
Joining Fee ₹5,000
Renewal Fee ₹5,000
8 lounge visits • Forex 3.5%
Swiggy HDFC Bank Credit Card
HDFC Bank ⭐ Featured
Co-branded cashback credit card
Joining Fee
₹500
+ 18% GST
First Year Net
+₹19,018
Annual Fee
₹500
+ 18% GST
Renewal Net
+₹19,018
Base Reward Rate
1.0%
1 points per ₹100
Best Category
10.0%
Final Net Score
31
out of 100
Net Annual Value
+₹19,608
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
31/100
Effective Reward Rate
Weighted average based on your spending categories
3.1%
Annual Net Value
Expected yearly benefit after all costs
₹19,608
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Co-branded cashback credit card
Launch Date
2023
Networks
Mastercard, RuPay
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹15,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹19,608
Fee outcome
Fee likely waived
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 16,667 monthly spend.
- Top earning category: dining has elevated rewards, which can improve value when your spend matches it.
Details
Spend curve and supporting scenario values
Swiggy HDFC Bank Credit Card - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹500
- Foreign Transaction: 3.5%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 1.0% reward rate
- Lounge Access: Available
- Our Rating: 31/100
Swiggy HDFC Bank Credit Card - Frequently Asked Questions
What are the benefits of Swiggy HDFC Bank Credit Card?
Swiggy HDFC Bank Credit Card from HDFC Bank offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for Swiggy HDFC Bank Credit Card?
Swiggy HDFC Bank Credit Card is ideal for individuals looking for reward-focused spending. Minimum credit score requirements apply.
How much does Swiggy HDFC Bank Credit Card cost?
The annual fee for Swiggy HDFC Bank Credit Card is ₹500. Additional charges may include foreign transaction fees and late payment charges.
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