HDFC Bank
Swiggy HDFC Bank Credit Card
Annual Fee
₹590₹500 + GSTBase Reward
1% cashback
Foreign Markup
3.5% + GST
Welcome Benefits
Complimentary 3-Month Swiggy One Membership
Product Highlights
- 10% Cashback across Swiggy app including food orders, Instamart, Dineout, and Genie
- 5% Cashback on online spends across top brands
- Complimentary 3-Month Swiggy One Membership as a welcome benefit
Category Rewards
shopping
5% on online shopping
5%
Specialty
5% on online shopping
5%
Specialty
5% on online shopping
5%
Fee Waiver
Annual Charges Waived on Spend of ₹2 Lakh
Merchant-Specific Rewards
Swiggy
10% on Swiggy ecosystem(Cap ₹1,500/cycle)
Reward Calculator
Earns ₹6,010/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
6.6K
HDFC CashPoints
₹6.6K
via statement credit
Effective rate
3.44%
Annual fee
₹590
Year 1 net
+₹6,010
Year 2+ net
+₹6,010
ongoing
Adjust your spend by reward bucket
3 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
10% on Swiggy ecosystem
Headline: 10.00% effective
₹1,500/cycle ÷ 10.00% = ₹15,000 eligible spend/cycle
5% on online shopping
Headline: 5.00% effective
₹1,500/cycle ÷ 5.00% = ₹30,000 eligible spend/cycle
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
wallet, rent, government, fuel, jewellery, emi, cash advance, travellers cheques, foreign currency purchase, insurance
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
10% Cashback across Swiggy app including food orders, Instamart, Dineout, and Genie. 5% Cashback on online spends across top brands like Nykaa, BookMyShow, Ola, Myntra, Amazon, Uber, Adidas, H&M. 1% Cashback on other eligible categories. Max ₹1,500 cashback per billing cycle.
Redemption
Cashback Against Credit Card Statement
Benefits & Features
Domestic: N/A International: N/A
Pros & Cons
Pros
- Get 10% cashback on all your Swiggy food delivery orders, including Genie and Instamart
- Up to ₹1,500 cashback per month across major online shopping platforms
- Complimentary Swiggy One membership for three months
Cons
- No airport lounge access
- Cashback on transactions of less than ₹100 is not applicable
Additional Info
Important: Cashback is not applicable on transactions of less than ₹100.
Cashback exclusions include rent, utilities, fuel, insurance, EMI, jewellery, and government spends.
Existing HDFC Credit Card holders can also apply for this card.
Max ₹1,500 cashback per month across major online shopping platforms.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.1L+
Self-Emp
₹6.0L+
Networks
Fee Waiver
Annual Charges Waived on Spend of ₹2 Lakh