HDFC Bank
HDFC Bank Swiggy Credit Card
Data last verified: 11 October 2026
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Reward rate1% on most spends; 10% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Fee waiverOn ₹2 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
This card pays 10% cashback on the Swiggy app, including Food, Instamart, Dineout and Genie, capped at Rs 1,500 a month. Online spends in categories like apparel, electronics, pharmacies, cabs and entertainment earn 5%, also capped at Rs 1,500 a month. Everything else earns 1%, up to Rs 500. You also get a 3-month Swiggy One membership.
The fee is ₹500 a year, waived at ₹2 lakh of annual spend. Even without the waiver, Rs 5,000 of Swiggy orders a year earns back the fee.
It suits people who order food or groceries on Swiggy every week. The catch is the caps. Once you hit Rs 1,500 on Swiggy in a month, further orders earn nothing extra, and heavy spenders will feel the limits quickly.
Best for: Regular Swiggy food and Instamart users, Online shoppers, Young professionals living in cities.
01HDFC Bank Swiggy Credit Card Rewards and Benefits
02HDFC Bank Swiggy Credit Card Annual Fee and Charges
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Spend-based waiver
- Annual fee waived on ₹2 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹2,400
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Dining only at Swiggy app: 10% back, up to ₹1,500 a month
- Online shopping only at Apparel, Electronics, Department Stores, Online Pet Stores, Home Décor, Personal Care, Local Cabs, Entertainment, Pharmacies, Discount Stores, Cleartrip: 5% back, up to ₹1,500 a month
- Spending ₹16,667 or more a month: the ₹590 fee is waived
Skip it if…
- you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹590 fee is then charged
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Swiggy app: the 10% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹500
- Fee waived on ₹2 lakh spend in a year
- 10% cashback on Swiggy, capped at ₹1,500 a month
- 5% on select online categories, capped at ₹1,500 a month
- 1% on other spends, capped at ₹500 a month
- 3-month Swiggy One membership
- Golf lessons and green fee rounds included
05Pros and Cons
Pros
- 10% back on Swiggy food and Instamart orders
- 5% on a wide list of online categories
- Cashback is simple to understand
- Low ₹500 fee
Cons
- Monthly caps on every cashback tier
- No lounge access
- Waiver needs ₹2 lakh of spend
06How HDFC Bank Swiggy Credit Card earns Rewards
1% on most spends; 10% only at partner merchants. The normal rate is capped at ₹500 a month.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 5% | ₹1,500, shared with other bonus rates | Only at: Apparel, Electronics, Department Stores, Online Pet Stores, Home Décor, Personal Care, Local Cabs, Entertainment, Pharmacies, Discount Stores, CleartripTerms: 5% on SELECT online MCCs only (₹1,500/cycle cap, shared with Cleartrip); gift cards and grocery on those merchants are excluded. Anything outside the listed MCCs earns the 1% base. |
| Dining and food delivery | 1% | No cap | Anywhere else in the category |
| Dining and food delivery, only at listed merchants | 10% | ₹1,500 | Only at: Swiggy app (Food, Instamart, Dineout)Terms: 10% on Swiggy food, Instamart and Dineout under one ₹1,500/cycle cap; each transaction must be ≥₹249 from 21 Apr 2026. Swiggy Money, Swiggy Liquor and Swiggy Minis are excluded. Genie left the 10% in HDFC's 18-09-2026 T&C. Earning is keyed to Swiggy's MIDs/TIDs. |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 1% | No cap | The card's normal rate |
| School and college fees | 1% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% on all other spends (cap ₹500/cycle)
07HDFC Bank Swiggy Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
08HDFC Bank Swiggy Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Minimum monthly income
- ₹15,000
09Recent Changes
What HDFC Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 18 Sept 2026 | Reduced: Genie drops out of the 10% Swiggy cashbackSource: HDFC Bank | Food ordering, Instamart, Genie and Dineout | Food ordering, Instamart and Dineout |
| Sept 2026 | Reduced: Card phased out: holders move to Swiggy Ornge or Swiggy BLCKSource: HDFC Bank | - | - |
| 15 May 2026 | Reduced: Dynamic currency conversion markup raised to 1.75%Source: HDFC Bank | 1% markup | 1.75% markup |
| 21 Apr 2026 | Reduced: ₹249 minimum per Swiggy transaction for 10% cashbackSource: HDFC Bank | ₹100 per transaction | ₹249 per transaction |
| 18 Apr 2026 | Changed: Cashback starts adjusting within the same billing cycleSource: HDFC Bank | Credited in the following billing cycle | Adjusted within the same billing cycle |
See all 7 changes on this card → · All card changes in September 2026 →
10Cards Similar to HDFC Bank Swiggy Credit Card
HDFC Bank Swiggy Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | HDFC Bank Swiggy Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹500 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹500 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 1% on most spends; 10% only at partner merchants | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your HDFC Bank Swiggy Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the ₹500 fee waived?
Yes, once you spend ₹2 lakh in a year. Below that the fee is charged.
What does the 10% cover?
Swiggy Food, Instamart, Dineout and Genie, capped at ₹1,500 cashback a month.
Is there a joining benefit?
Yes, a 3-month Swiggy One membership.
What income do I need?
A monthly income of about ₹15,000 is the stated guideline.
What is the joining fee for the HDFC Bank Swiggy Credit Card?
The joining fee is ₹500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the HDFC Bank Swiggy Credit Card?
The annual fee is ₹500 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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