SBI Cashback vs HDFC Swiggy vs HDFC Millennia vs AU Lit vs AXIS Cashback

[helloworld]

Category​	SBI Cashback​	HDFC Swiggy​	HDFC Millennia​	AU LIT​	AXIS Cashback​
Fee / Fee Waiver	₹1,180 (Waived on ₹2L)	LTF or ₹590 (Waived on ₹2L)	LTF or ₹1,180 (Waived on ₹1L)	₹3,776	₹1,180
Annual Fee Benefits / Net	None / (-₹1,180)	None / (₹-590)	₹1,000 / (-₹180)	None / (₹-3,776)	₹1,000 / (-₹180)
Online Websites/Apps	On 100Rs. Spends	On 100Rs. Spends	On 100Rs. Spends	On 20K/30 days Spends ^AU	On 70K/30 days Spends ^AXIS
Amazon, Flipkart, Myntra, Tata CLiQ	5%	5%	5%	7.5%	5.64%
Swiggy (Instamart, Food, Dineout)	5%	10%	5%	7.5%	5.64%
Zomato	5%	1%	5%	7.5%	5.64%
Uber	5%	5%	5%	4.5%	5.64%
Nykaa, Ajio (Shopping)	5%	5%	1%	7.5%	5.64%
Ola, Rapido (Travel)	5%	5%	1%	4.5%	0.75%
1MG, PharmaEasy, Apollo 24x7	5%	5%	1%	4.5%	5.64%
BigBasket, FTH Daily (Grocery)	5%	1%	1%	7.5%	5.64%
Other Online Spends* 💻	5%	5%	1%	4.5%	5.64%
Offline Spends* 🛒	1%	1%	1%	7.5% (Apparel/Grocery) 4.5% (Other Categories)	0.75%
Milestone Benefit 🎯	None	None	₹1,000 / 1L in a quarter (Lounge or Vouchers)	Above values with Milestone benefits	Above values with monthly 70k Milestone benefits
Monthly Cap	₹5,000 / Statement	10% = ₹1,500 / Statement 5% = ₹1,500 / Statement 1% = ₹500 / Statement	5% = ₹1,000 / Calendar Month 1% = ₹1,000 / Calendar Month	10x = ₹1L / 30 days 5x = ₹2L / 30 days 5% = ₹500 / 30 days 2% = ₹1,000 / 30 days Additional 5% (Grocery/Apparel) = ₹500 / 30 days	₹4,000 / Statement
Accelarated Earnings	None	5% through SmartBuy	5% through SmartBuy	Above values with Accelarated Earnings	Above values with Accelarated Earnings
Redemption Fee	None	None	₹50 (max redeemable in a month ₹3000)	None	None
Works with Bank Offers(10% discount)#	No	No	Yes	Yes	Yes
Major Exclusions#	Fuel, Wallet, Rent, Jewelry, Education, Utility, Insurance, Gift Cards, Railway link	Fuel, Wallet, Rent, Jewelry, Govt link / link	Fuel, Wallet, Rent, Govt link	Fuel, Wallet, Rent, Govt, Utility, Insurance link	Fuel, Wallet, Rent, Jewelry, Education, Insurance, Govt, Transportation & Tolls link

Thanks: @VISHESH_BANSAL and @drsel

^AU:
Activated Features (for this calculation) for 90 days:

• 2% Additional Cashback for Grocery/Apparel (₹236) Or 5% Additional Cashback (₹354)
• 10x Rewards on POS/Online Txns (₹354)
• 5% Cashback on Grocery/Apparel (₹354)

* Based on MCC (check 'link' for up-to date list)
# Varies time to time (check TnCs or 'link' for up-to date list)

^AXIS:
Milestone or Accelarated (for this calculation) for 30 days:

• Online
  • upto 5k: 2%
  • 5k to 40k: 5%
  • above 40k: 7%
• Offline: 0.75%
• Utility: 0.5%

Ref:
- https://www.technofino.in/community...-for-all-merchant-wise-data-collection.27562/
- https://www.technofino.in/community/threads/5-cashback-swiggy-hdfc-confirmed-merchants-list.27802/

For BigBasket, Swiggy and/or Zomato:

• HSBC Live+: https://www.technofino.in/community...-credit-card-elevate-everyday-spending.17087/
  • Best for grocery, and dining.
• AXIS Airtel: https://www.technofino.in/community...k-credit-card-maximizing-your-cashback.31701/
  • Best for utilities, and grocery.

IMO, These two needed even if you get one in the chart comparison. These are separate and ideal for specific purpose!

 

[Garry]

Does HDFC Swiggy CC give 5% on purchasing Apay GC thru Amazon?

 

[helloworld]

Does HDFC Swiggy CC give 5% on purchasing Apay GC thru Amazon?

As per the official rule: gift card and grocery purchased on the 5% eligible merchants and MCCs won’t earn any cashback.

But you can get 5% currently. But, if you're taking card for this purpose, don't. It may discontinue anytime, moreover this card still beneficial in other places.

So, in short its all about MCC..

 

[Garry]

As per the official rule: gift card and grocery purchased on the 5% eligible merchants and MCCs won’t earn any cashback.

But you can get 5% currently. But, if you're taking card for this purpose, don't. It may discontinue anytime, moreover this card still beneficial in other places.

So, in short its all about MCC..

Thanks. Not taking card only for this purpose but just checking which benefits I can fetch from this card.

 

[Jatin Kumar]

updated . .

From where we can Buy Amazon or Flipkart gift voucher from HDFC SWIGGY CREDIT CARD so we can get 5% cashback ?

 

[helloworld]

From where we can Buy Amazon or Flipkart gift voucher from HDFC SWIGGY CREDIT CARD so we can get 5% cashback ?

this list doesnt have gift vouchers, there are other threads about it which need separate maintenance and evwn more frequent updates.

 

[helloworld]

Could someone help me with current TnCs related to AU Lit add-ons and updated charges? (a screenshots helpful) TIA

 

[2025]

Could someone help me with current TnCs related to AU Lit add-ons and updated charges? (a screenshots helpful) TIA

As far as my knowledge, for AU add on the add on members have to have a relationship with au bank. Relationship could be a saving account, or card or online FD will also work. Basically it require customer id. You can apply through app also.

Limit shared and should be separated from primary card. Charges and features- I think same features as primary holders have will be active.

I was also looking but later dropped the idea. Let me know if there is any changes u noticed.

 

[helloworld]

As far as my knowledge, for AU add on the add on members have to have a relationship with au bank. Relationship could be a saving account, or card or online FD will also work. Basically it require customer id. You can apply through app also.

Limit shared and should be separated from primary card. Charges and features- I think same features as primary holders have will be active.

I was also looking but later dropped the idea. Let me know if there is any changes u noticed.

😀 sorry, addon meant to be those additional 5x, 10x, 5% subscription plans.

I meant subscription plans to get accelarated rewards or cashback.

 

[2025]

😀 sorry, addon meant to be those additional 5x, 10x, 5% subscription plans.

I meant subscription plans to get accelarated rewards or cashback.

Ok. Got it.

Major ones are available here. (See below thread)

2

Devaluation Thread 'AU LIT Credit Card Devaluation 2025'

Jan 5, 2025

First devaluation of 2025.

AU LIT Credit Card has suddenly reduced the benefits of four very important features by about 50%.

1. Apparel Spends 199/- +GST (90 days) now onwards will earn maximum cashback of Rs. 500/- per 30 days cycle. (Earlier it was Rs. 1000/- per 30 days cycle)
2. Also, Grocery Spends 299/- + GST (90 days) now onwards will earn a maximum cashback of Rs. 500/- per 30 days cycle. (Earlier it was Rs. 1000/- per 30 days cycle)
3. Milestone cashback...

• 2025
• au bank au lit credit card credit card devaluation devaluation
• Replies: 94
• Forum: AU Bank Credit Card

• 
• 
• 

If you need any specific one let me know. Detail t&c available in AU webpage. Will share that after sometime.

 

[tharun]

I mostly use my SBI CB card as my primary card and saw this offer today. Should I take it?

I already have a ₹50,000 limit MB+ card, which I was considering closing lately due to my shift in spending to SBI. Does it make sense to have this card? I also hold an Airtel Axis card that gives 10% cashback on Swiggy (though it doesn't work sometimes).

 

[Garry]

View attachment 97547
I mostly use my SBI CB card as my primary card and saw this offer today. Should I take it?

I already have a ₹50,000 limit MB+ card, which I was considering closing lately due to my shift in spending to SBI. Does it make sense to have this card? I also hold an Airtel Axis card that gives 10% cashback on Swiggy (though it doesn't work sometimes).

Take it as its LTF. Also if you use Instamart and Dineout, it will be beneficial.

 

[tharun]

Take it as its LTF. Also if you use Instamart and Dineout, it will be beneficial.

What are the documents/eligibility required if iam already a hdfc customer?

 

[Garry]

What are the documents/eligibility required if iam already a hdfc customer?

My father has an account with HDFC so when it was offered LTF BY HDFC some months ago, we applied it and HDFC just took otp for confirmation and then card got approved and delivered in few days without any further document or kyc.

 

[tharun]

My father has an account with HDFC so when it was offered LTF BY HDFC some months ago, we applied it and HDFC just took otp for confirmation and then card got approved and delivered in few days without any further document or kyc.

Not via hdfc but I need the process to apply from for existing hdfc credit card & savings holders

 

[Deepak_9155]

Not via hdfc but I need the process to apply from for existing hdfc credit card & savings holders

For existing Card holders only home verification is done after vkyc !

 

[helloworld]

View attachment 97547
I mostly use my SBI CB card as my primary card and saw this offer today. Should I take it?

I already have a ₹50,000 limit MB+ card, which I was considering closing lately due to my shift in spending to SBI. Does it make sense to have this card? I also hold an Airtel Axis card that gives 10% cashback on Swiggy (though it doesn't work sometimes).

mostly no need, SBI CB sufficient for your purpose. If you would like to close that then apply this one otherwise redundant and one of them becomes stayed in shelf..

 

[GABBA₹]

What are the documents/eligibility required if iam already a hdfc customer?

Had hdfc bank a/c and tata neu plus during applying. Address automatically fletched. No documents no vkyc for me. Probably on the same day or next day approved.

 

[drsel]

Category​	SBI Cashback​	HDFC Swiggy​	HDFC Millennia​	AU LIT​
Fee / Fee Waiver	₹1,180 / Waived on ₹2L	LTF (till 31st Dec)#, or ₹590 / Waived on ₹2L	LTF (till 15th Jan)#, or ₹1,180 / Waived on ₹1L	₹3,776
Annual Fee Benefits / Net	None / (-₹1,180)	None / (₹-590)	₹1,000 / (-₹180)	None / (₹-3,776)
Online Websites/Apps				On 20K/30 days Spends ^AU
Amazon, Flipkart, Myntra, Tata CLiQ	5%	5%	5%	7.5%
Swiggy (Instamart, Food, Dineout)	5%	10%	5%	7.5%
Zomato	5%	1%	5%	7.5%
Uber	5%	5%	5%	4.5%
Nykaa, Ajio (Shopping)	5%	5%	1%	7.5%
Ola, Rapido (Travel)	5%	5%	1%	4.5%
1MG, PharmaEasy, Apollo 24x7	5%	5%	1%	4.5%
BigBasket, FTH Daily (Grocery)	5%	1%	1%	7.5%
Other Online Spends* 💻	5%	5%	1%	4.5%
Offline Spends* 🛒	1%	1%	1%	7.5% (Apparel/Grocery) 4.5% (Other Categories)
Milestone Benefit 🎯	None	None	₹1,000 / 1L in a quarter (Lounge or Vouchers)	Above values with Milestone benefits
Monthly Cap	₹5,000 / Statement	10% = ₹1,500 / Statement 5% = ₹1,500 / Statement 1% = ₹500 / Statement	5% = ₹1,000 / Calendar Month 1% = ₹1,000 / Calendar Month	10x = ₹1L / 30 days 5x = ₹2L / 30 days 5% = ₹500 / 30 days 2% = ₹1,000 / 30 days Additional 5% (Grocery/Apparel) = ₹500 / 30 days
Accelarated Earnings	None	5% through SmartBuy	5% through SmartBuy	Above values with Accelarated Earnings
Redemption Fee	None	None	₹50 (max redeemable in a month ₹3000)	None
Works with Bank Offers(10% discount)#	No	No	Yes	Yes
Major Exclusions#	Fuel, Wallet, Rent, Jewelry, Education, Utility, Insurance, Gift Cards, Railway link	Fuel, Wallet, Rent, Jewelry, Govt link / link	Fuel, Wallet, Rent, Govt link	Fuel, Wallet, Rent, Govt, Utility, Insurance link

Thanks: @VISHESH_BANSAL and @drsel

^AU:
Activated Features (for this calculation) for 90 days:

• 2% Additional Cashback for Grocery/Apparel (₹236) Or 5% Additional Cashback (₹354)
• 10x Rewards on POS/Online Txns (₹354)
• 5% Cashback on Grocery/Apparel (₹354)

* Based on MCC (check 'link' for up-to date list)
# Varies time to time (check TnCs or 'link' for up-to date list)

Ref:
- https://www.technofino.in/community...-for-all-merchant-wise-data-collection.27562/
- https://www.technofino.in/community/threads/5-cashback-swiggy-hdfc-confirmed-merchants-list.27802/

For BigBasket, Swiggy and/or Zomato:

• HSBC Live+: https://www.technofino.in/community...-credit-card-elevate-everyday-spending.17087/
  • Best for grocery, and dining.
• AXIS Airtel: https://www.technofino.in/community...k-credit-card-maximizing-your-cashback.31701/
  • Best for utilities, and grocery.

IMO, These two needed even if you get one in the chart comparison. These are separate and ideal for specific purpose!

Please add Axis cashback also to your excellent comparison table

 

[helloworld]

Please add Axis cashback also to your excellent comparison table

Done, check once.

 

[helloworld]

Personally I won't suggest both AU LIT or AXIS Cashback cards, due to monthly spends requiremnt to achieve specific % but works for those who utilize those options effectively.

SBI Cashback, HDFC Millennia -- Good ones to accommodate low to medium online spends.