HDFC Swiggy vs OneCard
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Swiggy Credit Card wins 3 of 8 dimensions with a CardTrail Score of 8.7/10 vs 7.2/10.
| Feature | HDFC Swiggy | OneCard |
|---|---|---|
| CardTrail Score | 8.7/10 | 7.2/10 |
| Annual Fee | ₹500 | Free |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 10% | 5% |
| Forex Markup | 3.5% | 1% |
| Domestic Lounges | 4 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose HDFC Swiggy
- You can meet the fee waiver condition: Spend ₹2L/year
- You want higher rewards — up to 10% vs 5%
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: food-delivery, cashback, beginner
When to Choose OneCard
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹2,500/year on ₹1L forex spend
- Your primary spend is: cashback, beginner, design
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC Swiggy costs ₹4,130 in forex fees vs OneCard at ₹1,180. You save ₹2,950/year with OneCard.
Annual Fee Value Analysis
To break even on HDFC Swiggy's ₹500 fee at 1% rewards, spend ₹4,167/month.
OneCard is lifetime free — no break-even needed.