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HDFC Bank · HDFC Bank
Marriott Bonvoy vs Swiggy
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
44composite score
95% rule confidence
95% rule confidence
Winner
45composite score
82% rule confidence
82% rule confidence
Annual fee
₹3,000
₹500
Network
Mastercard
Mastercard
Base reward rate
1.33%
1%
Min. income (monthly)
—
₹35,000
Min. credit score
—
700+
Best for
Everyday spends
Food delivery
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Swiggy edges out for most wallets.
- Lighter annual fee, ₹500 vs ₹3,000.
Composite score
Marriott Bonvoy44
Swiggy45
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
Pick the right one for every purchase, automatically.
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