{"id":2955,"date":"2026-01-03T18:30:00","date_gmt":"2026-01-03T13:00:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=2955"},"modified":"2026-01-02T10:48:50","modified_gmt":"2026-01-02T05:18:50","slug":"hdfc-swiggy-card-vs-sbi-phonepe-black-which-is-the-best-food-and-delivery-credit-card-in-2026","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/hdfc-swiggy-card-vs-sbi-phonepe-black-which-is-the-best-food-and-delivery-credit-card-in-2026\/","title":{"rendered":"HDFC Swiggy Card vs SBI PhonePe Black: Which Is the Best Food and Delivery Credit Card in 2026?"},"content":{"rendered":"\n
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Synopsis<\/strong>: Food delivery, groceries, recharges, and bill payments have become part of everyday spending. With platforms like Swiggy and PhonePe handling a large share of these payments, co-branded credit cards can help you save a noticeable amount every year. HDFC Swiggy Credit Card and SBI PhonePe SBI Card SELECT BLACK are two popular options in 2026 which you should definitely opt to enjoy maximum benefits.<\/em><\/p>\n<\/blockquote>\n\n\n\n

Food delivery apps, grocery orders, and mobile payments add up a large part in our everyday expenses. And when these expenses are paid without the right credit card, the chance to earn cashback or rewards is lost.<\/p>

\"scapia<\/a><\/div>\n\n\n\n

That is why food and delivery-focused credit cards are becoming popular. They are simple to use and the savings are high. HDFC Swiggy Credit Card and SBI PhonePe Black are two such cards that offers reward on digital spending. Here is a breakdown of how these cards works and what are the main differences you should keep in mind while choosing the right card for you.<\/p>\n\n\n\n

Quick Comparison Table<\/strong><\/h1>\n\n\n\n
Feature<\/strong><\/td>HDFC Swiggy Credit Card<\/strong><\/td>SBI PhonePe Black<\/strong><\/td><\/tr>
Fee\/Charges<\/strong><\/td>Joining fee: \u20b9500 + GST
Annual fee: \u20b9500 + GST<\/td>		Joining fee: \u20b91499 + GST
Annual fee: \u20b91499 + GST<\/td><\/tr>
Fee Waiver<\/strong><\/td>\u20b92 lakh annual spend<\/td>\u20b93 lakh annual spend<\/td><\/tr>
Welcome Benefit<\/strong><\/td>Complimentary Swiggy One Membership for three months<\/td>\u20b91500 PhonePe voucher<\/td><\/tr>
Lounge Access<\/strong><\/td>Not available<\/td>4 domestic airport lounge visits<\/td><\/tr>
Fuel Surcharge Waiver<\/strong><\/td>Not offered<\/td>1% (up to \u20b9250 per cycle)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Card Overview<\/strong><\/h2>\n\n\n\n

HDFC Swiggy Credit Card<\/strong><\/a><\/h3>\n\n\n\n
\"Swiggy<\/figure>\n\n\n\n

HDFC Swiggy Credit Card is designed mainly for people who order food or groceries frequently using Swiggy. The card offers high cashback on Swiggy spends and decent savings on other online purchases.<\/p>\n\n\n\n

You get 10% cashback on Swiggy orders, including food delivery, Instamart, Dineout, and Genie. This is capped at \u20b91,500 per billing cycle. Online shopping on other platforms earns 5% cashback are also capped at \u20b91,500 per month. All other spends earn 1% cashback are  capped at \u20b9500 per month. The cashback is credited directly to your card statement.<\/p>

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The joining fee and annual fee are \u20b9500 plus GST. The annual fee is waived if you spend \u20b92 lakh in a year. You also get a complimentary 3-month Swiggy One membership when you activate the card.<\/p>\n\n\n\n

Eligibility<\/strong>: Indian residents above 18 years of age with a stable income and a good credit score can apply.<\/p>

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SBI PhonePe SBI Card SELECT BLACK<\/strong><\/a><\/h3>\n\n\n\n
\"SBI<\/figure>\n\n\n\n

SBI PhonePe Black is for people who use PhonePe regularly for bill payments, recharges, and online purchases. Instead of cashback, the card works on a reward point system with each point having a fixed value.<\/p>\n\n\n\n

You earn 10 reward points for every \u20b9100 spent on eligible PhonePe and PINCODE transactions. Online spends outside PhonePe earn 5 reward points per \u20b9100. All other spends earn 1 reward point per \u20b9100. One reward point is equal to \u20b91 when redeemed, making the value easy to understand.<\/p>\n\n\n\n

The card offers a welcome benefit of a \u20b91,500 PhonePe gift voucher. There is also a milestone benefit of a \u20b95,000 Yatra voucher on spending \u20b95 lakh in a year. The joining and annual fee is \u20b91,499 plus GST, which is waived if you spend \u20b93 lakh in a year.<\/p>\n\n\n\n

Eligibility<\/strong>: The applicant must be an Indian residents above 18 years of age. Approval depends on income level and credit score.<\/p>\n\n\n\n

Rewards & Cashback<\/strong><\/h2>\n\n\n\n

HDFC Swiggy Credit Card:<\/strong><\/h3>\n\n\n\n