Swiggy HDFC Bank Credit Card
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HDFC Bank

Swiggy HDFC Bank Credit Card

Mastercard
Co-branded

Your rating

Community rating

Best for Swiggy app users — 10% cashback on food, Instamart & eligible Swiggy spends

Joining Fee

₹500

Annual Fee

₹500

Reward Rate

1% – 10%

Forex Markup

3.5%

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Key Benefits

10% cashback on eligible spends across Swiggy Food, Instamart, Dineout & Genie (up to ₹1,500 per billing cycle)
5% cashback on eligible online spends across select categories and merchants (up to ₹1,500 per billing cycle)
1% cashback on other eligible spends (up to ₹500 per billing cycle)
Cashback credited automatically as statement credit
Complimentary 3-month Swiggy One membership on card activation
Annual fee waiver on spending ₹2 lakh or more in a year
Mastercard World benefits including golf privileges

Rewards

How you earn back on every swipe

cashback

Reward type

1% – 10%

Earn rate

₹1,500

Monthly cap

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹500
Annual fee₹500
Fee waiver on annual spend₹2,00,000
Interest-free period50 days
Interest rate (APR)43.2% – 45%
Late payment fee (max)₹1,300
Cash advance fee2.5% (min ₹500)
Over-limit fee2.5%
Forex markup3.5%
Fuel surcharge waiverNo

Travel & 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
  • Cashback credited to Swiggy wallet — not cash or statement credit
  • No cashback on fuel, rent, wallet loading, government transactions, EMI

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 60
Min. income₹15,000/month
CIBIL score750+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • 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
Cons
  • Cashback caps limit high-spending potential
  • 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

View on bank website

Data last updated 18 Mar 2026

All HDFC Bank credit cards →Best Cashback Cards