Swiggy HDFC Bank Credit Card
Updated 15 Apr 2026Source-linked
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% back on Swiggy spends in the form of cashback.
Welcome benefit: Complimentary Swiggy One membership for 3 months.
Swiggy HDFC Bank Credit Card
- Joining Fee₹500
- Annual Fee₹500
- Best Suited ForLifestyle & travel
- Reward TypeCashback
Rewards Rate
- 10% on swiggy ecosystem (cap 1500 cashback inr / monthly)
- 5% on online mcc (cap 1500 cashback inr / monthly)
- Base 1.00% on other spends
Welcome Benefits
- Complimentary Swiggy One membership for 3 months
Rewards and Benefits
Rewards Rate
10% on swiggy ecosystem (cap 1500 cashback inr / monthly)
5% on online mcc (cap 1500 cashback inr / monthly)
Base 1.00% on other spends.
Reward Redemption
Swiggy Money wallet: Redeemable only on Swiggy app.
Welcome Benefits
Complimentary Swiggy One membership for 3 months
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹2,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.60% per month (43.2% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹250 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
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
Pros
- Annual fee waivable on ₹2,00,000 spend.
- Accelerated earn rate of 10% on swiggy ecosystem.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
- Rewards redeemable only with Swiggy Money wallet.
₹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 / monthly)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 / monthly)5% cashback on online spends across eligible MCCs.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- utilities
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹250 per statement.
Sources
- : www.hdfcbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 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.