Swiggy HDFC Bank Credit Card
Delightful Rewards on Food, Groceries and Online Shopping
Annual Fee
₹500
Base Rewards
1.0%
Forex Fee
3.5%
Expert Verdict
The Swiggy HDFC Bank Credit Card is a powerhouse for urban millennials who rely on Swiggy for food and groceries. With a combined monthly cashback potential of ₹3,500, it offers exceptional value for a low annual fee of ₹500.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹6,699
Includes ₹1,199 bonus
Year 2+
+₹5,500
Fee waiver eligible!
Why get this card
Industry-leading 10% cashback on Swiggy ecosystem including Food, Instamart, and Genie
Broad 5% cashback on a wide range of online shopping categories like Amazon, Flipkart, and Myntra
Cashback is now directly credited to the credit card statement, improving liquidity compared to the previous Swiggy Money model
Watch out for
Monthly cashback is capped at ₹1,500 for the 10% category and ₹1,500 for the 5% category
No complimentary domestic or international airport lounge access
Excludes rewards on essential categories like Fuel, Rent, Utilities, and Insurance
Who is this card for?
Best for
frequent swiggy user
Users who spend heavily on food delivery and quick commerce via Swiggy Instamart.
Min: ₹10,000/mo
online shopper
Individuals who prefer shopping online for apparel, electronics, and personal care across major e-commerce platforms.
Min: ₹20,000/mo
Skip if you're
traveler
This card offers no travel-specific benefits like lounge access or air miles.
offline spender
The reward rate for offline transactions is a low 1% and capped at ₹500 per month.
Base Earning
1 Cashback
per ₹100 spent
1.0%
effective rate
Point value: ₹1.00/point
Bonus Categories
Swiggy - DINING
10×
10% return
1500 pts/month
Online Merchants - SHOPPING
5×
5% return
1500 pts/month
Welcome Offer
Complimentary 3-month Swiggy One membership upon card activation.
₹1,199
value
within 30 days
Milestones
Spend ₹2.0L
Renewal fee waiver on annual spends of ₹2 Lakhs.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Compare Alternatives
Similar cards in the cashback category
Swiggy HDFC Bank Credit Card
HDFC Bank
₹500
1% base
Axis Bank ACE Credit Card
Axis Bank
₹499↓
Visa