Swiggy HDFC Bank Credit Card
HDFC Bank
Annual Fee
₹500
Joining Fee
₹500 + GST
Base Reward
1% cashback
Foreign Markup
3.5% + GST
Fee Waiver
Annual Charges Waived on Spend of ₹2 Lakh
Interest Rate
3.75% Per Month or 45% Per Annum
Welcome Benefits
Complimentary 3-Month Swiggy One Membership
Product Highlights
- 10% Cashback across Swiggy app including food orders, Instamart, Dineout, and Genie
- 5% Cashback on online spends across top brands
- Complimentary 3-Month Swiggy One Membership as a welcome benefit
Rewards
10% Cashback across Swiggy app including food orders, Instamart, Dineout, and Genie. 5% Cashback on online spends across top brands like Nykaa, BookMyShow, Ola, Myntra, Amazon, Uber, Adidas, H&M. 1% Cashback on other eligible categories. Max ₹1,500 cashback per billing cycle.
Redemption
Cashback Against Credit Card Statement
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
dining | 5%(5% Cashback on Online Dining) | No cap |
shopping | 5%(5% Cashback Online) | No cap |
other | 1%(1% Cashback) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Swiggy | 10% Cashback(₹1,500 per billing cycle) | online |
| Nykaa | 5% Cashback(₹1,500 per billing cycle) | online |
| BookMyShow | 5% Cashback(₹1,500 per billing cycle) | online |
| Ola | 5% Cashback(₹1,500 per billing cycle) | online |
| Myntra | 5% Cashback(₹1,500 per billing cycle) | online |
| Amazon | 5% Cashback(₹1,500 per billing cycle) | online |
| Uber | 5% Cashback(₹1,500 per billing cycle) | online |
| Adidas | 5% Cashback(₹1,500 per billing cycle) | online |
| H&M | 5% Cashback(₹1,500 per billing cycle) | online |
| Zomato | 5% Cashback | online |
Benefits & Features
Domestic: N/A International: N/A
Fees & Charges
Eligibility
Min Age
21 years
Max Age
65 years
Min Income (Salaried)
₹15,000
Min Income (Self-Employed)
₹6,00,000
Available Networks
Pros & Cons
Pros
- Get 10% cashback on all your Swiggy food delivery orders, including Genie and Instamart
- Up to ₹1,500 cashback per month across major online shopping platforms
- Complimentary Swiggy One membership for three months
Cons
- No airport lounge access
- Cashback on transactions of less than ₹100 is not applicable
Additional Info
Important: Cashback is not applicable on transactions of less than ₹100.
Cashback exclusions include rent, utilities, fuel, insurance, EMI, jewellery, and government spends.
Existing HDFC Credit Card holders can also apply for this card.
Max ₹1,500 cashback per month across major online shopping platforms.
Excluded Categories