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CARD VS CARD · 28 APPS COMPARED

Eternal SBI vs Swiggy Ornge HDFC

Eternal SBI wins on 4 apps, Swiggy Ornge HDFC on 14. Eternal SBI for District and Zomato; Swiggy Ornge HDFC for AJIO and Amazon.

Eternal SBI Credit Card

Eternal SBI

4 apps

Best for District, Zomato and Apollo 24|7

₹499 a yearFee waived at ₹2,00,000 spendPaid as cashback
Swiggy Ornge HDFC Bank Credit Card

Swiggy Ornge HDFC

14 apps

Best for AJIO, Amazon and BookMyShow

₹500 a yearFee waived at ₹1,50,000 spendPaid as cashback

They earn the same on 10 apps.

App by app

Biggest differences first. Blue marks the card that earns more.

AppEternal SBISwiggy Ornge HDFC
  1. District10%min ₹1001%min ₹100
  2. Zomato10%min ₹1001%min ₹100
  3. AJIO1%min ₹1005%min ₹249
  4. Amazon1%min ₹1005%min ₹249
  5. Apollo 24|75%min ₹1001%min ₹100
  6. Blinkit5%min ₹1001%min ₹100
  7. BookMyShow1%min ₹1005%min ₹249
  8. Cleartrip1%min ₹1005%min ₹249
  9. Flipkart1%min ₹1005%min ₹249
  10. Goibibo1%min ₹1005%min ₹249
  11. ixigo1%min ₹1005%min ₹249
  12. Meesho1%min ₹1005%min ₹249
  13. Myntra1%min ₹1005%min ₹249
  14. Nykaa1%min ₹1005%min ₹249
  15. Reliance Digital1%min ₹1005%min ₹249
  16. Swiggy1%min ₹1005%min ₹249
  17. Swiggy Instamart1%min ₹1005%min ₹249
  18. Airtel Thanks0%1%min ₹100
  19. BigBasket1%min ₹1001%min ₹100
  20. Domino's1%min ₹1001%min ₹100
  21. IRCTC Rail Connect0%min ₹1000%min ₹100
  22. JioMart1%min ₹1001%min ₹100
  23. MakeMyTrip1%min ₹1001%min ₹100
  24. PVR INOX1%min ₹1001%min ₹100
  25. Tata CLiQ1%min ₹1001%min ₹100
  26. Tata Neu1%min ₹1001%min ₹100
  27. Uber5%min ₹1005%min ₹249
  28. Zepto1%min ₹1001%min ₹100

Questions people ask

Which is better, Eternal SBI or Swiggy Ornge HDFC?

Eternal SBI earns more on 4 of the 28 apps Pickkard covers, Swiggy Ornge 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 Ornge HDFC if you spend most on AJIO, Amazon and BookMyShow. Eternal SBI has the lower annual fee (₹499 against ₹500).

Which has the lower fees, Eternal SBI or Swiggy Ornge 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 Ornge HDFC: joining ₹500, annual ₹500 (Renewal fee waived after ₹1,50,000 of spend in the preceding year.).

Can I use both Eternal SBI and Swiggy Ornge HDFC?

Yes. Many people keep both and use each where it earns more: Eternal SBI on District, Zomato and Apollo 24|7, Swiggy Ornge HDFC on AJIO, Amazon and BookMyShow. 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.