Swiggy BLCK HDFC Bank vs SBI Cashback — कौन सा बेहतर? (2026)
Swiggy BLCK HDFC Bank और SBI Cashback की विस्तृत तुलना — rewards, fees, eligibility। Winner ranked by net value on a moderate spend profile — fees and caps included. Winner ranked by net value on a moderate spend profile — fees and caps included.
Updated 15 सितंबर 2026·2 cards · 3 min scan·CardHungry
Top pick · Swiggy BLCK HDFC Bank Credit Card
Net / yr
₹10,080
Annual fee
Free
Return
2.7%
Comparison
Net annual value · moderate spend
Comparison winner: Swiggy BLCK HDFC Bank Credit Card, ₹10,080 per year net
Swiggy BLCK HDFC Bank Credit Card
HDFC Bank
Net / yr
₹10,080
Fee
₹1,000
Top
10%
- ✓Wins this head-to-head — about ₹10,080/yr net after fees on typical spends.
- ✓Best for swiggy / instamart / dineout — 10%, up to ₹1,500/mo cashback.
Swiggy BLCK HDFC Bank Credit Card
HDFC Bank
Net / yr
₹10,080
Fee
₹1,000
Top
10%
- ✓Wins this head-to-head — about ₹10,080/yr net after fees on typical spends.
- ✓Best for swiggy / instamart / dineout — 10%, up to ₹1,500/mo cashback.
SBI Cashback Credit Card
SBI Card
Net / yr
₹5,520
Fee
₹999
Top
5%
- ✓Strong runner-up at ₹5,520/yr net — roughly ₹4,560 behind #1 on the same spend mix.
- ✓Best for online spends — 5%, up to ₹2,000/statement cycle.
Why the other card ranks lower
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Strong runner-up at ₹5,520/yr net — roughly ₹4,560 behind #1 on the same spend mix.
- Best for online spends — 5%, up to ₹2,000/statement cycle.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
2SBI Cashback Credit CardSBI Card
- Strong runner-up at ₹5,520/yr net — roughly ₹4,560 behind #1 on the same spend mix.
- Best for online spends — 5%, up to ₹2,000/statement cycle.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹5,520
Why each card ranks here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Wins this head-to-head — about ₹10,080/yr net after fees on typical spends.
- Best for swiggy / instamart / dineout — 10%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
1Swiggy BLCK HDFC Bank Credit CardHDFC Bank
- Wins this head-to-head — about ₹10,080/yr net after fees on typical spends.
- Best for swiggy / instamart / dineout — 10%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹10,080
- Strong runner-up at ₹5,520/yr net — roughly ₹4,560 behind #1 on the same spend mix.
- Best for online spends — 5%, up to ₹2,000/statement cycle.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
2SBI Cashback Credit CardSBI Card
- Strong runner-up at ₹5,520/yr net — roughly ₹4,560 behind #1 on the same spend mix.
- Best for online spends — 5%, up to ₹2,000/statement cycle.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹5,520
Net value snapshot
Rewards minus annual fee on your spend profile
- #1Swiggy BLCK HDFC Bank Credit Card₹10,080#1Swiggy BLCK HDFC Bank Credit Card₹10,080
- #2SBI Cashback Credit Card₹5,520#2SBI Cashback Credit Card₹5,520
Before you apply
कोई भी सबके लिए नहीं जीतता
hdfc swiggy blck vs sbi cashback — बेहतर कार्ड आपके खर्च पर निर्भर करता है। हेडलाइन % नहीं, अपने प्रोफ़ाइल पर नेट वैल्यू देखें।
कैप और बहिष्कृत खर्च देखें
विजेता चुनने से पहले मासिक रिवॉर्ड कैप और बाहर की कैटेगरी (रेंट, वॉलेट, EMI) तुलना करें।
पहले एक के लिए आवेदन करें
हर आवेदन पर CIBIL इन्क्वायरी लगती है। अपने खर्च के लीडर को चुनें, दूसरे पर बाद में विचार करें।
Frequently asked questions
Hdfc Swiggy Blck or Sbi Cashback — which is better?+
Neither wins universally. Compare net annual value on your specific spends using our comparison tool. Hdfc Swiggy Blck may win for one profile; Sbi Cashback for another.
Can I apply for both cards?+
Possible, but multiple applications close together hurt approval odds. Apply to the best fit first; wait 3–6 months for a second card.
Do these cards have joining fees?+
Varies by channel and variant. See each product page on CardHungry for current joining and annual fees before applying.
How often is this comparison updated?+
Reward rates and fees are re-verified against issuer T&Cs periodically. Net value figures use CardHungry's calculator with current rules.
Is there a third card I should consider?+
Often yes. Our quiz surfaces a third option optimised for your income and spends — not just these two.
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Swiggy BLCK HDFC Bank Credit Card vs SBI Cashback Credit Card — which credit card is better in 2026? This in-depth comparison covers reward rules, monthly caps, exclusions, annual fees, forex costs, eligibility, and net annual value across light, moderate, and heavy spend profiles. No sponsored ranking: every number comes from CardHungry's transparent calculator.
On this page
- At-a-glance table
- Net value by spend
- Reward rules
- Benefits
- Swiggy BLCK HDFC Bank Credit Card
- SBI Cashback Credit Card
- Exclusions compared
- Who should pick which
- Spend scenarios
- Before you apply
At-a-glance comparison
| Factor | Swiggy BLCK HDFC Bank Credit Card | SBI Cashback Credit Card |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Annual fee | ₹1,000 | ₹999 |
| Min income | ₹25,000/mo | ₹25,000/mo |
| Top reward | 10% | 5% |
| Forex markup | 3.5% | 3.5% |
| Secured option | No | No |
| Moderate NAV winner | Swiggy BLCK HDFC Bank Credit Card | — |
Net annual value by spend profile
| Profile | Swiggy BLCK HDFC Bank Credit Card | SBI Cashback Credit Card |
|---|---|---|
| Light spender net value | ₹3,080 | ₹1,101 |
| Moderate spender net value | ₹10,080 | ₹5,520 |
| Heavy spender net value | ₹21,960 | ₹12,600 |
Reward rules compared
| Rule | Swiggy BLCK HDFC Bank Credit Card | SBI Cashback Credit Card |
|---|---|---|
| Reward rule 1 | dining: 10% (cap ₹1,500/mo) | online shopping: 5% (cap ₹2,000/mo) |
| Reward rule 2 | online shopping: 5% (cap ₹1,500/mo) | all: 1% (cap ₹2,000/mo) |
| Reward rule 3 | all: 1% (cap ₹1,000/mo) | — |
Benefits compared
Swiggy BLCK HDFC Bank Credit Card
- 10% Swiggy cashback
- 5% on online spends
- 3-month Swiggy BLCK membership
SBI Cashback Credit Card
- 5% online cashback
- 1% on other spends
- Fuel surcharge waiver
Swiggy BLCK HDFC Bank Credit Card — full breakdown
Swiggy BLCK HDFC Bank Credit Card
Issuer: HDFC Bank · Tier: Platinum · Annual fee: ₹1,000
Max Swiggy cashback
Eligibility snapshot
- Min monthly income (salaried): ₹25,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIBIL checked by bank at application, not by CardHungry.
Reward structure
- dining: 10% cashback — cap ₹1,500/month (Swiggy only)
- online shopping: 5% cashback — cap ₹1,500/month (Swiggy, Instamart only)
- all: 1% cashback — cap ₹1,000/month
Headline highlight: 10% on Swiggy / Instamart / Dineout (cap ₹1,500/mo cashback)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹10,500
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹10,080 (2.71% effective return)
Key benefits
- 10% Swiggy cashback
- 5% on online spends
- 3-month Swiggy BLCK membership
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent, Wallet loads.
Best for: भारी Swiggy और Instamart उपयोगकर्ता · अधिकतम फूड डिलीवरी कैशबैक
Read full Swiggy BLCK HDFC Bank Credit Card review with spend simulator →
SBI Cashback Credit Card — full breakdown
SBI Cashback Credit Card
Issuer: SBI Card · Tier: Gold · Annual fee: ₹999
Max cashback on online spends
Eligibility snapshot
- Min monthly income (salaried): ₹25,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIBIL checked by bank at application, not by CardHungry.
Reward structure
- online shopping: 5% cashback — cap ₹2,000/month
- all: 1% cashback — cap ₹2,000/month
Headline highlight: 5% on Online spends (cap ₹2,000/statement cycle)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹5,940
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹5,520 (1.48% effective return)
Key benefits
- 5% online cashback
- 1% on other spends
- Fuel surcharge waiver
Exclusions & fine print
Typically excluded or reduced: Fuel, Utilities, Insurance, Rent, Wallet loads, EMI.
Best for: भारी ऑनलाइन खरीदारी · Amazon/Flipkart उपयोगकर्ता · ₹25K+ वेतनभोगी
Read full SBI Cashback Credit Card review with spend simulator →
Exclusions compared
| Typically excluded | Swiggy BLCK HDFC Bank Credit Card | SBI Cashback Credit Card |
|---|---|---|
| Common | EMI, Fuel, Rent, Wallet loads | Fuel, Utilities, Insurance, Rent |
Who should pick which?
- Pick Swiggy BLCK HDFC Bank Credit Card if your spend pattern aligns with its highest-rate categories and you meet income criteria.
- Pick SBI Cashback Credit Card if its caps, fee structure, or partner merchants match your wallet better.
- Pick neither yet if both net values are under ₹2,000/year on your spends — a third option may win (see quiz).
Spend scenario cheat sheet
- Heavy online shopper: Compare online category rates and caps first.
- Bill-pay heavy: Check utilities and telecom MCC eligibility.
- Travel / forex: Weight forex markup as heavily as reward rate.
- Fee-averse: If both NAV differences are under ₹1,000/yr, choose the free card.
Before you apply
CardHungry never pulls CIBIL. Use our interactive comparison or quiz for a third alternative. One application at a time; wait 3–6 months between rejections.
Related guides
Your spends are different
These picks use the moderate profile above. Edit spends to re-rank this page, or take CardHungry's quiz — no CIBIL pull.
CardHungry is a third-party recommendation platform, not a bank or credit bureau. Approval estimates are indicative based on public eligibility criteria. Reward calculations use issuer T&Cs and may change. We earn commission if you are approved — at no cost to you.