HDFC Bank Swiggy Credit Card
HDFC Bank · Mastercard / RuPay
Best for: Frequent Swiggy users, food delivery enthusiasts, and online shoppers
- Joining fee
- ₹500 + 18% GST
- Annual fee
- ₹500 + 18% GST
- Fee waiver
- Waived on spending ₹2,00,000 or more in an anniversary year
- Welcome bonus
- Complimentary 3-month Swiggy One membership upon card activation
Rewards
10% Cashback on Swiggy (Food ordering, Instamart, and Dineout). 5% Cashback on select online platforms (Amazon, Flipkart, Uber, etc.). 1% Cashback on all other eligible spends.
| Swiggy Spends | 10% Cashback (capped at ₹1,500/month) |
|---|---|
| Select Online Partners | 5% Cashback (capped at ₹1,500/month) |
| Other Eligible Spends | 1% Cashback (capped at ₹500/month) |
| Credit Mode | Direct monthly statement credit |
Features & benefits
10% Swiggy Cashback
Earn 10% cashback on Swiggy food ordering, Instamart grocery delivery, and Dineout bill payments.
5% Online Shopping Cashback
Get 5% cashback on leading online brands like Amazon, Flipkart, Myntra, Uber, Ola, and Nykaa.
1% General Cashback
Earn 1% cashback on all other eligible offline and online retail purchases.
Direct Statement Credit
Cashback earned is automatically credited to your credit card statement every month.
Swiggy One Welcome Perk
Receive 3 months of complimentary Swiggy One membership upon completing card activation.
Pros & cons
Pros
- High 10% cashback on all Swiggy spends including Food delivery, Instamart, and Dineout
- 5% cashback across a broad range of popular online platforms (Amazon, Flipkart, Nykaa, Uber, Ola, etc.)
- Cashback is directly credited as statement credit, reducing your monthly bill
- Low annual fee of ₹500 + GST with a reachable ₹2L spend waiver
- RuPay variant allows seamless UPI payments on credit
Cons
- 10% Swiggy cashback is capped at ₹1,500 per month
- 5% online cashback is capped at ₹1,500 per month
- No complimentary airport lounge access provided
- No cashback on fuel, wallet reloads, rent, EMI, or government transactions
Fees & charges
| Joining fee | ₹500 + 18% GST (Total ₹590) |
|---|---|
| Annual fee | ₹500 + 18% GST (Total ₹590) |
| Annual fee waiver | Waived on annual spends of ₹2,00,000 or more |
| Foreign currency markup | 3.50% on international transactions |
| Fuel surcharge waiver | 1% waiver on transactions between ₹400 and ₹5,000 |
Eligibility & documents
| Age | 21 to 60 years |
|---|---|
| Salaried Income | Minimum net monthly income of ₹15,000+ |
| Self-Employed Income | Minimum annual income (ITR) of ₹6 Lakhs+ |
| Residency | Indian resident |
In-depth review
HDFC Bank Swiggy Credit Card Review
The HDFC Bank Swiggy Credit Card is a co-branded cashback credit card created specifically for food delivery, grocery ordering, and dining out. Powered by HDFC Bank, this card yields an impressive 10% cashback on Swiggy transactions and direct statement credit features.
Cashback Rates & Limits
- 10% Cashback on Swiggy: Earn 10% cashback across Swiggy Food ordering, Instamart grocery delivery, and Dineout restaurant bill payments (capped at ₹1,500 per monthly billing cycle).
- 5% Cashback on Partner Online Platforms: Earn 5% cashback on leading online platforms including Amazon, Flipkart, Myntra, Nykaa, Uber, Ola, BookMyShow, and urban company (capped at ₹1,500 per month).
- 1% Cashback on General Spends: Earn 1% cashback on all other eligible retail and online spends (capped at ₹500 per month).
- Direct Statement Credit: Unlike Swiggy Money, cashback earned on this card is directly credited to your credit card statement, effectively discounting your monthly statement bill.
Fees & Waiver Criteria
- Joining Fee: ₹500 + 18% GST (Total ₹590).
- Annual Renewal Fee: ₹500 + 18% GST (Total ₹590).
- Spend Waiver: Annual fee is completely waived if you spend ₹2,00,000 or more in a membership year.
Verdict: Is HDFC Swiggy Worth It?
For anyone who spends regularly on Swiggy Food, Instamart, or online shopping platforms, the HDFC Bank Swiggy Credit Card pays for itself within the first few weeks of usage. The direct statement credit structure makes it one of the most rewarding food delivery cards in India.
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