CARD VS CARD · 28 APPS COMPARED
Eternal SBI vs Swiggy BLCK HDFC
Eternal SBI wins on 4 apps, Swiggy BLCK HDFC on 14. Eternal SBI for District and Zomato; Swiggy BLCK HDFC for Swiggy and Swiggy Instamart.
Eternal SBI
4 apps
Best for District, Zomato and Apollo 24|7
Swiggy BLCK HDFC
14 apps
Best for Swiggy, Swiggy Instamart and AJIO
They earn the same on 10 apps.
App by app
Biggest differences first. Blue marks the card that earns more.
District10%min ₹1001%min ₹100
Swiggy1%min ₹10010%min ₹249
Swiggy Instamart1%min ₹10010%min ₹249
Zomato10%min ₹1001%min ₹100
AJIO1%min ₹1005%min ₹100
Amazon1%min ₹1005%min ₹100
Apollo 24|75%min ₹1001%min ₹100
Blinkit5%min ₹1001%min ₹100
BookMyShow1%min ₹1005%min ₹100
Cleartrip1%min ₹1005%min ₹100
Flipkart1%min ₹1005%min ₹100
Goibibo1%min ₹1005%min ₹100
ixigo1%min ₹1005%min ₹100
Meesho1%min ₹1005%min ₹100
Myntra1%min ₹1005%min ₹100
Nykaa1%min ₹1005%min ₹100
Reliance Digital1%min ₹1005%min ₹100
Airtel Thanks0%1%min ₹100
BigBasket1%min ₹1001%min ₹100
Domino's1%min ₹1001%min ₹100
IRCTC Rail Connect0%min ₹1000%min ₹100
JioMart1%min ₹1001%min ₹100
MakeMyTrip1%min ₹1001%min ₹100
PVR INOX1%min ₹1001%min ₹100
Tata CLiQ1%min ₹1001%min ₹100
Tata Neu1%min ₹1001%min ₹100
Uber5%min ₹1005%min ₹100
Zepto1%min ₹1001%min ₹100
Questions people ask
Which is better, Eternal SBI or Swiggy BLCK HDFC?
Eternal SBI earns more on 4 of the 28 apps Pickkard covers, Swiggy BLCK HDFC on 14, and they earn the same on 10. Choose Eternal SBI if you spend most on District, Zomato and Apollo 24|7. Choose Swiggy BLCK HDFC if you spend most on Swiggy, Swiggy Instamart and AJIO. Eternal SBI has the lower annual fee (₹499 against ₹1,000).
Which has the lower fees, Eternal SBI or Swiggy BLCK HDFC?
Eternal SBI: joining ₹499, annual ₹499 (Renewal fee waived on annual spends over ₹2,00,000 (SBI's fee table says ₹1,00,000; the stricter figure is used).). Swiggy BLCK HDFC: joining ₹1,000, annual ₹1,000 (Joining fee waived on ₹75,000 of spend in the first 90 days; renewal fee waived on ₹2,00,000 or more of spend in a year.).
Can I use both Eternal SBI and Swiggy BLCK HDFC?
Yes. Many people keep both and use each where it earns more: Eternal SBI on District, Zomato and Apollo 24|7, Swiggy BLCK HDFC on Swiggy, Swiggy Instamart and AJIO. Pickkard tells you which one to use each time you open a shopping app.
Rewards are as per each bank’s published terms (checked 22 Oct 2026 and 22 Oct 2026) and can change. Limits and minimum orders apply; see each card’s page for details. Pickkard isn’t a bank and isn’t paid by any bank for comparisons.