Side-by-side · honest numbers
Swiggy HDFC Bank Credit Card vs HSBC TravelOne Credit Card vs IDFC FIRST Select Credit Card
Honest side-by-side comparison of Swiggy HDFC Bank Credit Card, HSBC TravelOne Credit Card, IDFC FIRST Select Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Swiggy HDFC Bank Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST Select Credit Card by about ₹10,080/yr.
| Feature | Swiggy HDFC Bank Credit Card HDFC Bank | HSBC TravelOne Credit Card HSBC | IDFC FIRST Select Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹4,999 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | ₹12,00,000/yr | Lifetime free |
| Min income | ₹25,000/mo | ₹75,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹12,150/yr | -₹4,549/yr | ₹2,070/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | — | — |
| Travel | — | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | — |
| Top reward rate | 10% | 3X points | 3X reward points |
| Primary reward cap | ₹1,500 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Complimentary domestic lounge access · No minimum spend required for lounge access | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet loads | EMI · Fuel · Rent · Wallet · Insurance | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Swiggy HDFC Bank Credit Card lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Swiggy HDFC Bank Credit Card
HDFC Bank
HSBC TravelOne Credit Card
HSBC
IDFC FIRST Select Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | HDFC BankGold Swiggy HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Swiggy HDFC Bank Credit Card Top reward10% Annual fee₹500 Min income₹25,000/mo Tap to flip back Swiggy HDFC Bank Credit Card HDFC Bank | HSBCPlatinum HSBC TravelOne Credit Card •••• •••• •••• 4242 Quick facts HSBC TravelOne Credit Card Top reward3X points Annual fee₹4,999 Min income₹75,000/mo Tap to flip back HSBC TravelOne Credit Card HSBC | IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹4,999 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | ₹12,00,000/yr | Lifetime free |
| Min income | ₹25,000/mo | ₹75,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹12,150/yr | -₹4,549/yr | ₹2,070/yr |
| Online shopping | 5% cashback → ₹500/mo (₹6,000/yr) | — | — |
| Dining & delivery | 10% cashback → ₹400/mo (₹4,800/yr) | — | — |
| Travel | — | 3 pts per ₹150 spend → ₹25/mo (₹300/yr) | — |
| Top reward rate | 10% | 3X points | 3X reward points |
| Primary reward cap | ₹1,500 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Complimentary domestic lounge access · No minimum spend required for lounge access | 2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet loads | EMI · Fuel · Rent · Wallet · Insurance | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/hdfc-swiggy-vs-hsbc-travelone-vs-idfc-first-selectMore Swiggy HDFC Bank Credit Card comparisons
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