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Cashback has become a popular way for people to save money on their everyday purchases. Who doesn’t love the feeling of getting something back every time they spend? Cashback has become an important factor today. When choosing a credit card, people consider which card offers better cashback. With the increasing trend of online shopping, dining out, and ordering food, credit cards offering cashback on these expenses have garnered a lot of attention.
In the world of credit cards, Swiggy HDFC and HSBC Live+ Credit Cards stand out for their attractive cashback offers and exclusive benefits. The Swiggy HDFC Credit Card is a co-branded card specially designed for food enthusiasts, offering cashback on Swiggy spends and online transactions across various top brands. On the other hand, the HSBC Live+ Credit Card is designed for online shoppers, providing cashback on grocery, food, and entertainment expenses along with additional perks such as lounge access, dining discounts, and insurance coverage. In this article, we will compare these two credit cards, analyzing their features, benefits, and rewards to help you determine the best cashback credit card for your daily needs.
Swiggy HDFC Credit Card
Swiggy HDFC Bank Credit Card is a great option for people who frequently use Swiggy and food enthusiasts in India. With a joining fee of ₹500 plus taxes, this co-branded credit card offers a variety of benefits and privileges. One of the major highlights of this card is the 10% cashback on Swiggy spends, including orders from food delivery, Dineout, and Instamart, making it an attractive choice for those who regularly order food online. New cardholders can enjoy a complimentary 3-month Swiggy One membership as a welcome benefit.
A collaboration between Swiggy and HDFC Bank, this card provides 5% cashback on online spending across various top brands like Nykaa, BookMyShow, Ola, Myntra, Amazon, and more, and 1% cashback on other spending, excluding fuel, rent, EMI, jewelry, wallet, and government-related expenses. This card is best suited for people who love to earn cashback on every transaction. With additional perks such as a spend-based renewal fee waiver on spending ₹2 lakhs in the previous year and Mastercard World Tier benefits, including 12 golf lessons, up to 12% discount on Agoda, and more, this card is rewarding in every aspect.
HSBC Live+ Credit Card
The HSBC Live+ Credit Card is an ideal choice for devoted online shoppers. This card comes with an annual fee of ₹999 plus taxes which can be waived on spending ₹2 lakh in the previous year. This card offers great rewards, with 10% cashback on groceries, food delivery, and dining expenses, and 1.5% cashback on all other spending, including entertainment and retail purchases. New cardholders are welcomed with exclusive benefits, including an Amazon gift voucher worth ₹250 and a cashback of ₹1,000 on spending ₹20,000 within 30 days of card issuance. The cashback is credited back within 45 days of the card statement date, eliminating complicated redemption processes.
The Live+ credit card provides complimentary domestic lounge access four times a year, and under the Live+ Dining Programme, users get a 15% discount across 1,000+ restaurants all over India. Entertainment benefits of complimentary movie tickets are also included with this card on booking movie tickets. Insurance coverage is also provided, making it an attractive cashback rewards credit card for people who enjoy shopping and dining out.
Comparison Table
| Categories | Swiggy HDFC Credit Card | HSBC Live+ Credit Card |
| Joining/Renewal Fee | ₹500 + GST | ₹999 + GST |
| Reward Rate |
|
|
| Rewards Redemption | Cashback will be credited to the cardholder’s account | Cashback will be credited to the cardholder account within 45 days |
| Welcome Benefits | Complimentary 3-month Swiggy membership | Cashback of ₹1,000 on spending ₹20,000 within 30 days of card issuance |
| Movie/Dining |
|
|
| Travel Perks | 5% cashback on Ola and Uber | Complimentary 4 domestic airport lounge access annually |
| Golf Privileges | 12 golf lessons with MasterCard World | N/A |
Verdict
After comparing the Swiggy HDFC and HSBC Live+ Credit Cards, it is evident that both cards offer attractive cashback benefits and are quite rewarding. The Swiggy HDFC Credit Card is more suitable for individuals who frequently order food online, as it provides 10% cashback on Swiggy spending and offers a 3-month complimentary Swiggy One membership as a welcome benefit.
On the other hand, the HSBC Live+ Credit Card stands out for its 10% cashback on dining, food, and grocery expenses, along with a 15% discount at 1000+ restaurants and complimentary domestic lounge access. The cashback and welcome benefits are captivating for individuals who enjoy shopping and dining out frequently. However, the card needs more specific benefits for online food ordering, which the Swiggy HDFC Credit Card covers completely.