HSBC Live+ Card vs HDFC Swiggy Credit Card: Which One Gives Better Grocery Cashback?

In today's blog we will give you the information about IndusInd Eazy Diner Platinum Credit Card and HDFC Regalia Gold Credit Card based on their grocery rewards, cashback rate and more.

The HSBC Live+ Credit Card stands out as an excellent choice for users who spend significantly on grocery shopping, both online and offline. It offers a 10% cashback on groceries, which falls under one of its core accelerated reward categories, alongside dining and food delivery. This cashback is part of a monthly cap of INR 1,000 across all three categories combined, meaning frequent grocery shoppers can easily maximize this benefit. Whether you're buying essentials from local supermarkets like Reliance Fresh, Big Bazaar, or online platforms such as Blinkit and BigBasket, your spends is eligible for this high-value cashback.

The HDFC Swiggy Credit Card is a co-branded credit card designed for users who frequently order food, groceries, and daily essentials through the Swiggy platform. One of its standout features is the attractive cashback benefit on grocery purchases, particularly when shopping via Swiggy Instamart. Cardholders earn 10% cashback on Swiggy Instamart, making it a highly rewarding option for users who prefer the convenience of app-based grocery delivery.

What Are The Welcome Benefits Of HSBC Live+ Credit Card and HDFC Swiggy Credit Card?

HSBC Live+ Credit Card:

• Welcome Benefit: Users will get Rs 1,000 cashback when they download and log on to the HSBC India Mobile Banking app and spend Rs 20,000 within the first 30 days of getting the card, and an Rs 250 Amazon e-gift voucher when they apply for the card online and complete video KYC (VKYC).

  
  

HDFC Swiggy Credit Card:

• 3-month complimentary Swiggy One membership: Worth approx. INR 1,199.

• Includes free deliveries, extra discounts, and priority support on food, Instamart, and Dineout.

• Activated automatically after your first successful transaction using the card

What Are The Cashback Rate Of HSBC Live+ Credit Card and HDFC Swiggy Credit Card?

HSBC Live+ Credit Card

• Users will get 10% cashback on all dining, food delivery and grocery spends (capped at up to INR 1,000 per billing cycle).

• 1.5% unlimited cashback on most other spends. 

HDFC Swiggy Credit Card

• Users will get flat 10% cashback on Swiggy orders (food delivery, groceries, Dineout, Genie), capped at INR 1500 per month. 

• 5% cashback on online shopping across various categories like Amazon, Flipkart, Myntra, BookMyShow, etc., capped at INR 1500 per month. 

• 1% cashback on all other eligible spends, capped at INR 500 per month.

What Are The Pros And Cons Of Having An HDFC Swiggy Credit Card?

Pros:

•  Cashback on Swiggy Services

  • 10% cashback on Swiggy spends—food delivery, Instamart, Dineout, and Genie—capped at INR 1,500/month (INR 18,000 annually)

• Great Rewards on Online Shopping

  • 5% cashback on select online categories (apparel, electronics, entertainment, home decor, and more), up to INR 1,500 per month (INR 18,000/year)

• Annual Fee Waiver

  • INR 500 fee waived with annual spending of INR 2 lakh.

Cons:

• Cashback Caps on Every Category

  • Cashback is limited to:

    • INR 1,500/month on Swiggy

    • INR 1,500/month on online shopping

    • INR 500/month on other spends

What Are The Pros And Cons Of Having An HSBC Live+ Credit Card?

Pros:

• 10% cashback on dining, food delivery & groceries (capped at ₹1,000/month)

• 1.5% unlimited cashback on all other eligible retail spends

• Low annual fee (₹999, waived on ₹2L yearly spend)

• 4 free airport lounge visits per year

• Simple cashback system—no reward points

• Welcome benefits: INR 1,000 cashback + INR 100 Amazon voucher

Cons:

• Cashback cap limits high spenders

• No rewards on fuel, rent, insurance, utilities, etc.

• Limited city-wise availability & salaried-only eligibility

• Mixed reviews on customer service and support

• High 3.5% forex markup on international spends

Fees And Charges:

HDFC Swiggy Credit Card:

• Joining Fee: Rs. 500

• Annual Fee: Rs. 500

• Cash Withdrawal Fee (ATM): Cash Advance fees: 2.5% or Rs. 500

• Late Payment Charges: Late Payment Charges: Ranges from INR 100 to INR 1300.

• Interest Rate (on unpaid amount): Interest Rate: 3.6% per month (i.e., 43.2% per annum).

HSBC Live+ Credit Card

• Joining Fee: N.A.(Not Applicable)

• Annual Fee: INR 999 + GST

• Cash Withdrawal Fee (ATM): Cash Advance fees: 2.5% or Rs. 500

• Late Payment Charges: Late payment fee (Charged if minimum amount due does not reach HSBC within 3 days of payment due date- Subject to a minimum of `250 and a maximum of `1,200 per month

• Interest Rate (on unpaid amount): 3.49% per month (41.88% per annum)

Eligibility:

HDFC Swiggy Credit Card

• You must be an Indian citizen.

• You must be 21-60 years of age if you are salaried, and 21-65 years of age if you are self-employed.

• Your net monthly income must be greater than Rs. 15,000 if you are salaried, and your ITR must be greater than Rs. 6 lakhs per annum if you are self-employed.

 HSBC Live+ Credit Card

• You must be aged between 18 to 65

• Your annual income must be at least INR 400,000 per annum (for salaried individuals)

• You must be an Indian resident

• You must reside in any of the following cities: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Pune

Conclusion

The Swiggy HDFC Bank Credit Card is an excellent option for people who regularly use Swiggy for food delivery, groceries (Instamart), Dineout, and Genie services. With 10% cashback on Swiggy and 5% on selected online shopping categories, it offers strong value for digital-first users. The free 3-month Swiggy One membership adds to the overall benefits, especially with free delivery and exclusive discounts.

User will get their money back through their original account, no need to buy something from Swiggy Instamart only. There are also monthly limits on cashback and no benefits for travel, fuel, or offline spending. Overall, this card is best suited for those who frequently shop and eat online, making it a suitable lifestyle or secondary card. It’s not ideal for those looking for travel rewards, premium perks, or broad cashback flexibility. But if Swiggy is part of your routine, this card gives simple, useful, and consistent savings.

If you want to know the unbiased AI score of the HSBC Live+ Credit Card and read its detailed review, click here

If you want to know the unbiased AI score of the HDFC Swiggy Credit Card and read its detailed review, click here

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