Fi-Federal Amplifi vs Swiggy HDFC Bank
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Both cards score 8.0/10 — your spending pattern decides the winner.
| Feature | Fi-Federal Amplifi | Swiggy HDFC Bank |
|---|---|---|
| CardTrail Score | 8.0/10 | 8.0/10 |
| Annual Fee | ₹2,000 | ₹500 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 3% | 10% |
| Forex Markup | 1.5% | 3.5% |
| Domestic Lounges | 1 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | No |
| Network | Visa | Mastercard |
When to Choose Fi-Federal Amplifi
- You can meet the fee waiver condition: Spend ₹2.5L/year
- You travel internationally — saves ₹2,000/year on ₹1L forex spend
- Airport lounge access matters — 1 domestic visits
- Your primary spend is: forex, digital-native, cashback
When to Choose Swiggy HDFC Bank
- You can meet the fee waiver condition: Rs. 2 Lakh annual spends
- You want higher rewards — up to 10% vs 3%
- Your primary spend is: food-delivery, swiggy, cashback
Forex Cost Comparison
On ₹1,00,000 annual international spending: Fi-Federal Amplifi costs ₹1,770 in forex fees vs Swiggy HDFC Bank at ₹4,130. You save ₹2,360/year with Fi-Federal Amplifi.
Annual Fee Value Analysis
To break even on Fi-Federal Amplifi's ₹2,000 fee at 1% rewards, spend ₹16,667/month.
To break even on Swiggy HDFC Bank's ₹500 fee at 1% rewards, spend ₹4,167/month.