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

In our current blog, we provide detailed information on the HSBC Live+ Card vs HDFC Swiggy Credit Card, comparing their grocery rewards, cashback rates, and other key benefits to help you make an informed choice.

The HSBC Live+ Credit Card is a good option for users who incur a substantial amount on their grocery purchases, both online and offline. It provides a 10% cashback on groceries, which is also one of the major accelerated reward categories, as well as dining and food delivery. This cashback is in a monthly limit of INR 1,000 on the three categories combined, so shoppers who visit the grocery store regularly will be able to take advantage of this easily. Buy any grocery items at the local grocery stores like Reliance Fresh, Big Bazaar, or even online shopping websites like Blinkit and BigBasket and claim this high-value cashback.

The HDFC Swiggy Credit Card is a co-branded credit card meant to be used by people using the Swiggy platform to order food, groceries and other daily necessities. It has one of the best additional benefits, the appealing cashback offer on its grocery shopping, especially when it is ordered through Swiggy Instamart. Swiggy Instamart offers cardholders a 10% cashback, which is a very rewarding option because of the convenience of doing grocery delivery through the application.

HSBC Live+ Card vs HDFC Swiggy Credit Card: What Are the Welcome Benefits?

HSBC Live+ Credit Card:

• Welcome Benefit: The users will receive an amount of 1,000 cashback upon downloading and registering with the HSBC India Mobile Banking app and spending 20,000 during the first 30 days of receiving the card, and obtain an e-gift voucher worth 250 when they apply for the card online and go through video KYC (VKYC).

  
  

HDFC Swiggy Credit Card:

• 3 months free Swiggy One subscription: Price: Approx. INR 1,199.

• This entails free delivery, additional discounts, and priority support of food, Instamart, and Dineout.

• Switching on once your card has been used successfully for the first time.

  
  

What is the Cashback rate of the HSBC Live+ credit card and the HDFC Swiggy credit card?

HSBC Live+ Credit Card

• They will receive a 10% cashback on all dining, food delivery and grocery-related purchases (with a limit of up to INR 1,000 per billing period).

• Most other spend will have 1.5% unlimited cashback.

HDFC Swiggy Credit Card

• Swiggy will give its users flat 10% cashback on orders (food delivery, grocery, Dineout, and Genie), limited to INR 1500 monthly.

• 5 per cent of cashback on online shopping on a variety of categories such as Amazon, Flipkart, Myntra, BookMyShow, and others, with an upper limit of INR 1500 per month.

• Cashback of 1% on all other qualifying spends, but limited to INR 500 to be offset per month.

  
  

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

Pros:

•  Cashback on Swiggy Services

  
  

  • Swiggy cashback: 10% on Swiggy purchases: food delivery, Instamart, Dineout, and Genie, limited to INR 1,500/month (INR 18,000/year)

    
    

• Much Rewards on Internet Shopping.

  
  

  • 5% of the cashback on certain online categories (apparel, electronics, entertainment, home decor, etc.), up to INR 1,500 per month (INR 18,000/year)

    
    

• Annual Fee Waiver

  
  

  • No INR 500 fee when one spends more than INR 2 lakh per year.

    
    

Cons:

• Cashback Caps on all categories.

  
  

  • 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:

• Cashback 10% on food delivery and groceries (up to [?]1,000/month) and on dining.

  Unlimited cashback of 1.5% on all other eligible retail purchases.

• Low annual fee ([?]999, waived on [?]2L annual expenditure)

• The number of complimentary visits to airport lounges is 4 per year.

• Cashback system in simple form- no reward points.

• Bonuses Welcome benefits: INR 1,000 cashback and an INR 100 Amazon voucher.

  
  

Cons:

• High spenders are constrained by the cashback cap.

• No incentives on gas, rental, insurance, power, etc.

• Diverse city-wide availability and salary-only eligibility.

• Conflicting ratings on customer service and support.

• Markup on international spends 3.5% high.

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 R 500.

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

• Interest on Unpaid Dollar: 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 per cent or Rs. 500.

• Late Payment Charges: Late payment charge (Payable in case the minimum money required has not been received at HSBC within 3 days of the payment due date- Charged 250-1,200 per month)

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

Eligibility:

HDFC Swiggy Credit Card

• You must be an Indian citizen.

• You should be 21-60 years old in the case of a salaried person and 21-65 years old in the case of a self-employed person.

• Minimum monthly income should be more than Rs. 15,000 in case of salaried and should be more than Rs. 6 lakhs per annum in case of self-employed.

  
  

 HSBC Live+ Credit Card

• You must be aged between 18 and 65

• Annual income should not fall below INR 400 000 per annum (in the case of salaried employees).

• You should be an Indian resident.

• The cities in which you have to live include Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, and Pune.

  
  

Conclusion

The Swiggy HDFC Bank Credit card is a brilliant choice that would suit individuals who use Swiggy on a regular basis to have food delivered to their homes, food items (Instamart), Dineout, and Genie. It has 10% cashback on Swiggy and 5% on online shopping categories of choice, which is a good proposition to the digital-first user base. The 3-month Swiggy One free membership is an addition to the general benefits, including free delivery and unique discounts.

Users will get their money back through their original account; there is 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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