Swiggy HDFC Bank Credit Card
The Swiggy HDFC Bank Credit Card targets frequent Swiggy users.
Cashback Fit Score
96/100
Joining Fee
₹500
Annual Fee
₹500
Reward Rate (%)
1 – 10
Statement credit
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
22/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Swiggy HDFC Bank Credit Card Benefits
Swiggy HDFC Bank Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
1% – 10%
Earn rate
₹1,500
Monthly cap
₹1,500
Monthly cap
Swiggy HDFC Bank Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Effective April 17, 2026, minimum transaction ₹249 or more to earn 10% cashback
Swiggy HDFC Bank Credit Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- The ₹1,500 cap on the 10% Swiggy-app rate is combined across eligible Swiggy spends in a billing cycle — not separate caps for food vs Instamart
- No cashback on fuel, rent, wallet loading, government transactions, EMI, jewellery, gift/prepaid cards, SmartPay, SmartBuy, cash advances and foreign-currency purchases/fees
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹16,667/mo (₹2,00,004/yr), your ₹500 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Swiggy HDFC Bank Credit Card Eligibility
Employment type
Pros & Cons
- One of the best cashback cards for frequent Swiggy users
- Strong 10% return rate on food delivery and Instamart spends
- Good secondary 5% cashback category for online shopping
- Cashback system is straightforward with automatic statement adjustment
- Lifetime value can easily exceed annual fee for regular Swiggy users
- Swiggy One membership adds extra savings on deliveries and dining
- Cashback caps limit high-spending potential
- Minimum transaction ₹249 or more to earn 10% cashback
- Transaction must be ₹100 or more to earn 5% or 1% cashback
- 5% cashback applies only to selected merchants/categories, not all online spends
- Annual fee is not lifetime free
- Cashback exclusions include rent, wallet loads, fuel, education, EMI, and government payments
- Offline reward rate is average at 1%
- Limited travel perks and no airport lounge access
- Swiggy-focused value may be less useful for non-Swiggy users
Who is this card for?
Frequent Swiggy food order users who spend ₹3,000–₹10,000/month on Swiggy or Swiggy Instamart. The card pays for itself within the first few orders each month.
Quick Links
Data last updated 25 Aug 2026
Calculate your exact earnings with Swiggy HDFC Bank Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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