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Swiggy HDFC Credit Card

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HDFC Bank

Swiggy HDFC Bank Credit Card

Dining

Cashback

3.5/5.0

Paisabazaar Review

1^st Year Fee: ₹500* Plus Applicable Taxes

Dining

10% cashback on spends at Swiggy

Cashback

5% cashback on everyday spends

Golf

Complimentary golf rounds & lessons

Updated on November 6, 2025 12:08 pm

Author: Shruti Sharma

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About The Card Cashback & Discount Details Other Features & Benefits Savings Calculator Fees & Charges Things to Know Card Review

About Swiggy HDFC Bank Credit Card

Designed for frequent Swiggy users, Swiggy HDFC Bank Credit Card stands out for 2 reasons – one, the generous 10% cashback it offers across Swiggy platforms (including food delivery, Instamart, Dine Out and Genie) and two, the additional 5% cashback across multiple online platforms along with 1% cashback on offline and other spends. For an annual fee of Rs. 500, we’d have to say Swiggy HDFC Bank Credit Card does punch above its weight.

The card is a good option for consumers who transact on Swiggy frequently, and spend a significant amount on the brand’s platforms every month. For instance, those who use Instamart for monthly staples and groceries or use food delivery services several times a month can easily recover the Rs. 500 annual fee and also earn decent cashback.

Cashback & Discount Details

Cashback Earning

10% cashback¹ (with monthly capping of up to Rs. 1,500) on the Swiggy app for transactions related to food ordering, Instamart, Dineout and Genie
5% Cashback on online spends across various categories (with monthly capping of up to Rs. 1,500). Click here to check the list of the eligible shopping categories and their respective MCCs.
1% Cashback²on all other spends, including offline transactions, with monthly capping of up to Rs. 500.

Discount Details

6% discount on domestic & international flight and intercity bus bookings via Paytm Travel

Also read: Best Credit Cards in India 2025

Image of Swiggy HDFC Bank Credit Card

Swiggy and HDFC Bank promote the card, saying one can earn cashback of up to Rs. 42,000 per year—a significant amount. However, to maximize this benefit, you would have to spend Rs. 90,000 per month across various categories- Rs. 15,000 on Swiggy platforms, Rs. 30,000 on other online platforms + Rs. 50,000 on other spends. This way, you will earn maximum cashback of Rs. 3,500 p.m. (Rs. 1,500 on Swiggy platforms + Rs. 1,500 on other online platforms + Rs. 500 on others). An important point to note here is that if you are spending around 1 lakh every month, you can find more value in premium credit cards. However, even if you are not able to maximize the full potential of Swiggy HDFC Card, regular purchases on Swiggy and other eligible brands will help you save a decent amount.

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Other Features & Benefits

Activation Benefit: Complimentary 3 months Swiggy One membership on card activation.

Renewal Fee Waiver: Card renewal or annual fee is waived off on reaching the yearly spends of Rs. 2 Lakh before the card renewal date. However, the transactions made via Cash on Call, cash withdrawal and balance transfer are excluded from the total annual spends calculation for annual fee waiver.

Golf Benefits via Mastercard: 4 complimentary rounds of green fees and 12 free golf lessons/sessions with 50% off on green fee beyond complimentary sessions for users with Mastercard variant.

Zero Lost Card Liability: If you lose your Swiggy credit card and report the loss immediately, then you can avail the facility of zero liability on fraudulent transactions made via that card. To report you can contact the 24-hour HDFC Bank call centre.

Savings Calculator

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Joining Fee

₹500 Plus Applicable Taxes

Waived off on annual spends of Rs. 2 Lakh

Annual Fee

₹500 Plus Applicable Taxes

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Swiggy HDFC Credit Card: Fees & Charges

Fee Type

Amount

Joining Fee

Rs. 500 + Taxes

Annual Fee

Rs. 500 + Taxes

Finance Charges

3.75% p.m. | 45% p.a.

Late Payment Charges

For Statement Balance:
Up to Rs. 100	Nil
Rs. 101 to Rs. 500	Rs. 100
Rs. 501 to Rs. 1,000	Rs. 500
Rs. 1,001 to Rs. 5,000	Rs. 600
Rs. 5,001 to Rs. 10,000	Rs. 750
Rs. 10,001 to Rs. 25,000	Rs. 900
Rs. 25,001 to Rs. 50,000	Rs. 1,100
More than Rs. 50,000	Rs. 1,300

Swiggy HDFC Vs. ICICI Amazon Pay Vs. Axis Flipkart

Since, Swiggy HDFC Credit Card comes with substantial cashback, let us compare its features with other credit cards, like Amazon Pay ICICI and Flipkart Axis Bank Credit Cards, with similar cashback and co-branded benefits. Here is a detailed comparison of some of the key features of credit cards:

Parameters	HDFC Swiggy	ICICI Amazon Pay	Axis Flipkart
Annual Fee	Rs. 500	Nil	Rs. 500
Fee Waiver	On Rs. 2 Lakh annual spends	NA	On Rs. 3.5 Lakh annual spends
Welcome Benefits	3 months Swiggy One membership	NA	Save up to Rs. 600 on Flipkart & Swiggy combined
Base Cashback Rate	1% up to Rs. 500 p.m.	1%	1%
Accelerated Cashback	• 10% up to Rs. 1,500 p.m. on Swiggy • 5% up to Rs. 1,500 p.m. on online spends	• 5% on Amazon for Prime members • 3% on Amazon for non-Prime members • 2% on Amazon Pay partner merchants	• 5% on Flipkart & Cleartrip • 4% on preferred merchants
Other Benefits	Nil	Up to 15% off on dining at partner restaurants	• 4 domestic airport lounge visits per year • Up to 15% off at partner restaurants
Form of Cashback Redemption	As statement credit	As Amazon Pay balance	As statement credit

Suggested Read: Best Credit Card for Utility Bill Payments

Things to Know Before you apply

Get this card if:

You prefer to earn direct cashback over reward points

You want a low-fee entry-level credit card

You frequently order food/groceries as well as dine out and would be able to maximize the accelerated cashback

You prefer online shopping over store visits and can maximize the higher value offered on online spends

Eligibility Criteria:

Age: 21 to 60 years

Occupation: Salaried or Self-employed

Income Requirement: Rs. 15,000 p.m. for Salaried

Income Requirement: ITR> Rs. 6 LPA for Self-employed

Paisabazaar Review

Overall Rating

3.5_/5

Cashback3.5_/5

Welcome Benefits3.0_/5

Co-branded Benefits4.5_/5

What do we like about this card?

Swiggy HDFC Bank Credit Card can be a strong choice for those looking to save on food delivery, dining and grocery spends. Cardholders earn 10% cashback across all Swiggy platforms, including food ordering, Instamart, Dineout, and Genie. Additionally, the card’s accelerated 5% cashback on other online spends is a great feature—especially for a card with a low annual fee of Rs. 500. This also positions the card as a direct competitor to popular online shopping cards like Amazon ICICI, Flipkart Axis and Axis Ace. For consumers who frequently shop within the Swiggy ecosystem while also making significant online purchases beyond Swiggy, this card provides excellent value.

Pros

10% cashback across all Swiggy platforms, including food ordering, Instamart, Dineout, and Genie
5% cashback on other online spends, covering day-to-day categories
Complimentary 3-month Swiggy One membership
Complimentary golf rounds and lessons with the Mastercard variant

Cons

Maximum cashback capping of Rs. 3,500 across all categories
No complimentary lounge access benefits
No cashback benefits on select Swiggy spends—Swiggy Money Wallet, Swiggy Minis, and Swiggy Liquor

Frequently Asked Questions

Everything you need to know about this credit card

Is Swiggy HDFC Bank Credit Card free?

No, Swiggy HDFC Credit Card charges a joining and annual fee of Rs. 500. However, you can avail annual fee waiver on spending Rs. 2 Lakh in a year. Additionally, the card offers a complimentary 3-month Swiggy One membership upon activation.

Can I use HDFC Swiggy Credit Card for online shopping?

Yes, you can use Swiggy HDFC Credit Card for online shopping and earn 5% cashback on select partner categories, including apparel, department stores, entertainment, electronics, home décor, and more. However, the maximum cashback you can earn in this category is Rs. 1,500 per month.

How do I apply for Swiggy HDFC Credit Card?

You can apply for this credit card online by visiting the official website of HDFC Bank and submitting the duly filled application form along with the required documents. Additionally, you can apply offline by visiting the nearest HDFC Bank branch and applying in person.

Can I use HDFC Swiggy Credit Card for EMI transactions?

Yes, you can use this credit card for EMI transactions. However, before making an EMI payment, you should check whether the respective brand or e-commerce website offers an EMI option for this card.

Does Swiggy HDFC Credit Card offer lounge access?

No, Swiggy HDFC Bank Credit Card does not offer any lounge access benefits.

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Footnotes

Transactions made via Swiggy Money Wallet, Liquor and Minis will not accrue the 10% accelerated cashback on this credit card. Cashback is offered on the minimum transaction value of Rs. 100.
Exclusions: Fuel, rent, EMIs, jewellery, wallet, government-related transactions, Swiggy Money wallet, Swiggy Minis and Swiggy Liquor.

Click here to know More Terms and Conditions

Shruti Sharma

Content Writer

Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.

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