Swiggy HDFC Bank Credit Card Review 2026: 10% Cashback & Fees
Get 10% cashback on Swiggy and 5% on online shopping with the Swiggy HDFC Bank Credit Card. Check fees, eligibility, and benefits in our 2026 review.
The Swiggy HDFC Bank Credit Card is a top-tier cashback card for urban dwellers who rely on Swiggy for food and groceries. While it lacks travel perks like lounge access, its aggressive 10% and 5% cashback tiers offer significant monthly savings for a modest annual fee.
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The Bottom Line
The Swiggy HDFC Bank Credit Card is a top-tier cashback card for urban dwellers who rely on Swiggy for food and groceries. While it lacks travel perks like lounge access, its aggressive 10% and 5% cashback tiers offer significant monthly savings for a modest annual fee. With a ₹500 annual fee that is waived on ₹2,00,000 yearly spend, it offers 0% rewards on swiggy (food, instamart, di... and golf access. For anyone researching swiggy hdfc bank credit card, the verdict is simple: recommended.
It earns a base reward rate of 1% and stacks best when your spending lines up with Swiggy Power User, Online Shopper. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealHigh 10% cashback on food delivery and groceries via Instamart makes it the best card for the Swiggy ecosystem.
5% cashback on a wide range of online merchants provides versatile value beyond food.
Probably not for
SkipLack of lounge access and travel-specific rewards makes it unsuitable for globetrotters.
Base reward rate of 1% on offline spends is low compared to other entry-level cards.
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
3 Months Swiggy One Membership Card activation via first transaction within 30 days
Milestone Benefits
Annual Fee Waiver
Fees & Charges
Eligibility
- Min Income: ₹3 Lakhs
- Min Credit Score: 700
- Salaried: Age 21-60, Net Monthly Income > ₹25,000. Self-Employed: Age 21-65, Annual ITR > ₹6 Lakhs.
Exclusions & Terms
Fuel
Rent
EMI
Jewelry
Wallet Loads
Government Transactions
Cash Advances
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Frequently Asked Questions
3 data-backed answers from our card database