Swiggy HDFC Bank Credit Card
Best for heavy Swiggy/food-delivery users (note: HDFC also lists newer Swiggy Ornge/BLCK variants). 10% cashback on Swiggy (food, Instamart, Dineout, Genie); 5% on select online categories; 1% on other spends
Terms as of 2026-06-24 · Checked 30 September 2026Swiggy HDFC Bank Credit Card at a glance
Who it suits: Heavy Swiggy/food-delivery users (note: HDFC also lists newer Swiggy Ornge/BLCK variants)
Rewards & cashback
| Details | |
|---|---|
| How you earn | 10% cashback on Swiggy (food, Instamart, Dineout, Genie); 5% on select online categories; 1% on other spends |
| Caps & exclusions | 10%: max Rs 1,500/month; 5%: max Rs 1,500/month; 1%: max Rs 500/month. Excludes Swiggy Money, Minis, Liquor, fuel, rent, EMI, jewellery, government |
| Welcome benefit | 3 months Swiggy One membership on activation |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹1,200 | ₹610 |
| ₹3,00,000 / year | ₹3,000 | ₹3,000 |
| ₹6,00,000 / year | ₹6,000 | ₹6,000 |
| ₹12,00,000 / year | ₹12,000 | ₹12,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | None |
| Fuel surcharge | Not stated in source |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹500 + GST |
| Annual / renewal fee | ₹500 + GST |
| Fee waiver | Annual fee waived on Rs 2 lakh annual spend |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Salaried Rs 15,000/month; age 21-60 |
| Age | Typically 21-60 (salaried), up to 65 (self-employed); card-specific |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Scapia Federal Bank | Federal Bank | Free / Free | 2.00% base value | Travellers wanting zero forex and lifetime-free |
| Kiwi YES Bank RuPay Credit Card (Klick) | YES Bank | Free / Free | 1.50% base value | UPI spends on credit |
| Axis Bank ACE | Axis Bank | ₹499 / ₹499 | 1.50% base value | Flat cashback on all spends plus bill payments via GPay |
| HSBC Live+ | HSBC India | ₹999 / ₹999 | 1.50% base value | Dining & grocery cashback |
| Tata Neu Infinity HDFC Bank | HDFC Bank | ₹1,499 / ₹1,499 | 1.50% base value | Tata ecosystem shoppers (BigBasket, Croma, Tata CLiQ, Air India via N… |
| Amazon Pay ICICI Bank | ICICI Bank | Free / Free | 1.00% base value | Amazon Prime shoppers wanting a free, no-cap cashback card |
Frequently asked questions
What is the annual fee of the Swiggy HDFC Bank Credit Card?
Joining fee ₹500 and annual fee ₹500 (plus 18% GST). Annual fee waived on Rs 2 lakh annual spend.
What rewards does it offer?
10% cashback on Swiggy (food, Instamart, Dineout, Genie); 5% on select online categories; 1% on other spends Caps/exclusions: 10%: max Rs 1,500/month; 5%: max Rs 1,500/month; 1%: max Rs 500/month. Excludes Swiggy Money, Minis, Liquor, fuel, rent, EMI, jewellery, government
Does it give airport lounge access?
None
Who is eligible?
Salaried Rs 15,000/month; age 21-60. A CIBIL score of 750+ improves approval chances.
Is the Swiggy HDFC Bank Credit Card good for me?
Best for: Heavy Swiggy/food-delivery users (note: HDFC also lists newer Swiggy Ornge/BLCK variants). Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-06-24. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on HDFC Bank’s website before applying. FinancePortal is not affiliated with the issuer.