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.
HDFC Bank
Swiggy HDFC Bank Credit Card
Dining
Co-branded
Cashback
1st Year Fee: ₹500* Plus Applicable Taxes
Dining
10% cashback on spends at Swiggy
Cashback
5% cashback on everyday spends
Golf
Complimentary golf rounds & lessons
Find Best Credit Card Offers
It hardly takes 2 minutes
+91
0 /10 Digits
Don't worry, this will not affect your credit score
The entered number doesn't seem to be correct
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 Benefits
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% Cashbackon 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% Cashback2 on all other spends, including offline transactions, with monthly capping of up to Rs. 500.
Cashback Redemption
Accumulated cashback will be credited into the card statement and adjusted against the outstanding dues.
Also read: Best Credit Cards in India 2025
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
₹
This is mandatory field
If you spend upto ₹0/yr
Spend Rewards₹0
Milestone Benefits₹0
You save₹0
₹500 Plus Applicable Taxes
Waived off on annual spends of Rs. 2 Lakh₹500 Plus Applicable Taxes
NANeed Help understanding?
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 |
|
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.
| 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 |
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
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
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.
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.
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.
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.
No, Swiggy HDFC Bank Credit Card does not offer any lounge access benefits.
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
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.
Explore other Card Categories
Explore Cards from Leading Issuers
HSBC Bank
HDFC Bank
SBI Cards
American Express
ICICI Bank
Kotak Mahindra Bank
Axis Bank
Standard Chartered Bank
Yes Bank
RBL
IndusInd Bank
IDFC FIRST
AU Small Finance Bank
Federal Bank
Bank of Baroda
Punjab National Bank
SBM Bank
Canara Bank
Check eligibility for best credit cards
Check Eligibility