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HDFC Bank · HDFC Bank
Regalia vs Swiggy
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
45composite score
95% rule confidence
95% rule confidence
Winner
45composite score
82% rule confidence
82% rule confidence
Annual fee
₹2,500
₹500
Network
Visa
Mastercard
Base reward rate
1.3%
1%
Min. income (monthly)
₹1,00,000
₹35,000
Min. credit score
720+
700+
Best for
Travel
Food delivery
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Too close to call on paper.
- Both cards land in similar territory. Pick by the category you spend most on.
Composite score
Regalia45
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.
Tapwise watches caps, exclusions, and stacked offers in real time, and tells you which card to swipe before you tap.