Swiggy HDFC Bank Credit Card
The Swiggy HDFC Bank Credit Card is a entry co-branded credit card from HDFC Bank and Swiggy, with a joining fee of ₹500 + GST.
It earns up to 10% on Swiggy spends in the form of cashback.
Welcome benefit: Complimentary Swiggy One membership for 3 months.
- Joining Fee₹500
- Annual Fee₹500
- Best Suited ForLifestyle & travel
- Reward TypeCashback
- 10% on swiggy ecosystem (cap 1500 cashback inr / statement)
- 5% on online mcc (cap 1500 cashback inr / statement)
- Base 1.00% on other spends
- Complimentary Swiggy One membership for 3 months
Rewards and Benefits
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.0% = ₹150/mo
Online shopping — earns base; accelerated rate needs 100% of this bucket qualifies
- Groceries₹8,000 · 1.0% = ₹80/mo
- Dining & food delivery₹8,000 · 1.0% = ₹80/mo
Dining & food delivery — earns base; accelerated rate needs booking via swiggy, instamart
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.0% = ₹100/mo
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
₹4,920 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded entry card by HDFC Bank and Swiggy.
- Joining / annual fee of ₹500 + GST, waived on annual spends of ₹2,00,000.
- Available on the Mastercard network.
Pros & Cons
- Annual fee waivable on ₹2,00,000 spend.
- Accelerated earn worth ≈10.0% on swiggy ecosystem.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
₹1,000 welcome benefit
- Complimentary Swiggy One membership for 3 monthsJoining fee paidWindow: 30 days from issuance.
Accelerated rewards
- 10% on swiggy ecosystem (cap 1500 cashback inr / statement)Merchants: swiggy-food, swiggy-instamart, swiggy-dineout, swiggy-genie10% cashback on Swiggy app (Food, Instamart, Dineout, Genie).
- 5% on online mcc (cap 1500 cashback inr / statement)5% cashback on online spends across eligible MCCs (Table 1.2: Apparels, Department Store, Electronics, Entertainment, Home Decor, Pharmacies, Personal Care, Local Cabs, Pet Stores, Discount Stores, Grocery). Only select merchants mapped under these MCCs qualify.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- utilities
Sources
- : www.hdfc.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 720+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.