HDFC Swiggy Credit Card: Fees, Rewards & Benefits
Online Shopping card
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A focused cashback card paying 10% on Swiggy and 5% on other online spends (capped at 1,500 points/month) with ₹1-value cashback and free Swiggy One for a ₹500 fee. Its value is concentrated on Swiggy and online use, with a high ₹2 Lakh fee-waiver bar.
Online Shopping card
The Bottom Line
The Swiggy HDFC Bank Credit Card is built for heavy swiggy user and online cashback seeker. With a ₹500 annual fee that is waived on ₹2,00,000 yearly spend, it offers 10% rewards on swiggy and golf program. It makes the most sense if your spending matches heavy swiggy user and online cashback seeker.
It earns a base reward rate of 1% and stacks best when your spending lines up with Heavy Swiggy user, Online cashback seeker. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealThose who order Swiggy food and Instamart regularly earn 10% cashback within the 1,500-point cap, plus free Swiggy One.
Budget users wanting straightforward 5% online cashback with ₹1-value rewards at a ₹500 fee.
Probably not for
SkipWithout significant Swiggy/online spends, the card defaults to a plain 1% and the ₹2 Lakh waiver is hard to reach.
Fuel, rent, utilities-style spends earn no cashback, so the card suits online use only.
Is It Worth It For You?
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Reward Rates
Swiggy HDFC Bank Credit Card offers 1% basic reward rate.
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Welcome Offer
Complimentary 3-month Swiggy One membership on card activation within 30 days of card issuance (no minimum spend required). Exact monetary value not officially quantified; Swiggy One's standalone monthly price is roughly ₹99-₹125, implying an approximate ₹300-₹375 value, but this is an estimate, not an official figure, so bonus_value_inr is left null.
Milestone Benefits
Renewal/annual fee of ₹500+GST is waived if cumulative card spend reaches ₹2,00,000 or more in the preceding cardmembership year (cash-on-call, cash withdrawal and balance-transfer transactions are excluded from this spend calculation).
Fees & Charges
Eligibility
- Min Income: ₹6 Lakhs
- Min ₹15,000/month salaried or ITR ₹6 lakh self-employed; annual fee ₹500 waived on ₹2 lakh annual spend; Mastercard.
Exclusions & Terms
Forex markup
- Foreign currency markup
Wallet Loads
- Loading third-party wallets does not earn cashback.
EMI Transactions
- Purchases converted to EMI do not earn cashback.
Swiggy Money Wallet / Swiggy Minis / Swiggy Liquor
- These specific Swiggy platform services are excluded from the 10% Swiggy-app cashback (medium confidence, single-source).
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹500 annual fee. Apply on the HDFC Bank website.
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