HDFC Bank

Swiggy HDFC Bank Credit Card

HDFC Bank Swiggy HDFC Bank Credit Card

Swiggy co-brand cashback card: 10% back on Swiggy app spends (food, Instamart, Dineout, Genie) and 5% on select online brands, both capped at ₹1,500/month, with ₹500 joining and annual fees.

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Last reviewed 15 July 2026

Fees

Joining fee

₹500

Annual fee

₹500

Waiver: Renewal fee waived on annual spend of ₹2,00,000 or more in the preceding cardmembership year

Eligibility

Min. monthly income: ₹15,000

Age: 21–65 yrs

Employment: salaried, self employed

Rewards

dining10% cashback(cap ₹1,500 cashback/1mo)

online shopping5% cashback(cap ₹1,500 cashback/1mo)

all other1% cashback(cap ₹500 cashback/1mo)

Welcome benefits

• Complimentary 3-month Swiggy One membership on card activation within 30 days of issuance (worth up to ₹1,199)

Perks

✓Forex markup: 3.5%
✓Discounted green fees and complimentary golf lessons at select courses; exact number of complimentary sessions varies by source and is not confirmed on HDFC's own fee schedule
✓10% cashback tier bundles Swiggy Food delivery, Instamart, Dineout and Genie under one ₹1,500/month cap, not just food orders
✓5% cashback on eligible online spends at select partner brands (e.g. Myntra, BookMyShow, Ola) up to ₹1,500/month
✓Minimum transaction value of ₹100 required for cashback to apply on any tier
✓No cashback on fuel, rent, EMI/loan repayment, wallet loads, jewellery, gift cards or government-related transactions
✓1 IndiGo BluChip earned per ₹250 spent on Swiggy, per some aggregator reporting — not verified on HDFC's official terms page
✓50-day interest-free credit period; Smart EMI conversion available
✓Age eligibility ceiling is 60 for salaried applicants and 65 for self-employed applicants — the schema's single maxAge field above uses the wider (65) bound.

Common questions

What is the annual fee on the HDFC Bank Swiggy HDFC Bank Credit Card?: The joining fee is ₹500. The annual fee is ₹500. Renewal fee waived on annual spend of ₹2,00,000 or more in the preceding cardmembership year
What are the reward rates on the HDFC Bank Swiggy HDFC Bank Credit Card?: HDFC Bank Swiggy HDFC Bank Credit Card earns 10% cashback on dining, 5% cashback on online shopping, 1% cashback on all other spends.
Does the HDFC Bank Swiggy HDFC Bank Credit Card offer airport lounge access?: No, the HDFC Bank Swiggy HDFC Bank Credit Card does not include complimentary airport lounge access.
Who is eligible for the HDFC Bank Swiggy HDFC Bank Credit Card?: Applicants typically need a minimum monthly income of ₹15,000, a minimum annual income of ₹6,00,000, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by HDFC Bank and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

DiningBest rate

₹

10% cashback· cap ₹1,500 cashback/1mo

Online shopping

₹

5% cashback· cap ₹1,500 cashback/1mo

Everything else

₹

1% cashback· cap ₹500 cashback/1mo

Estimated annual value—

Apply now

Annual fee

₹4,500

Up to

2x points

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Annual fee

₹10,000

Up to

2x points

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Annual fee

₹495

Up to

20x points

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Perks

✓Forex markup: 3.5%

✓Discounted green fees and complimentary golf lessons at select courses; exact number of complimentary sessions varies by source and is not confirmed on HDFC's own fee schedule

✓10% cashback tier bundles Swiggy Food delivery, Instamart, Dineout and Genie under one ₹1,500/month cap, not just food orders

✓5% cashback on eligible online spends at select partner brands (e.g. Myntra, BookMyShow, Ola) up to ₹1,500/month

✓Minimum transaction value of ₹100 required for cashback to apply on any tier

✓No cashback on fuel, rent, EMI/loan repayment, wallet loads, jewellery, gift cards or government-related transactions

✓1 IndiGo BluChip earned per ₹250 spent on Swiggy, per some aggregator reporting — not verified on HDFC's official terms page

✓50-day interest-free credit period; Smart EMI conversion available

✓Age eligibility ceiling is 60 for salaried applicants and 65 for self-employed applicants — the schema's single maxAge field above uses the wider (65) bound.

Common questions

What is the annual fee on the HDFC Bank Swiggy HDFC Bank Credit Card?

The joining fee is ₹500. The annual fee is ₹500. Renewal fee waived on annual spend of ₹2,00,000 or more in the preceding cardmembership year

What are the reward rates on the HDFC Bank Swiggy HDFC Bank Credit Card?

HDFC Bank Swiggy HDFC Bank Credit Card earns 10% cashback on dining, 5% cashback on online shopping, 1% cashback on all other spends.

Does the HDFC Bank Swiggy HDFC Bank Credit Card offer airport lounge access?

No, the HDFC Bank Swiggy HDFC Bank Credit Card does not include complimentary airport lounge access.

Who is eligible for the HDFC Bank Swiggy HDFC Bank Credit Card?

Applicants typically need a minimum monthly income of ₹15,000, a minimum annual income of ₹6,00,000, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by HDFC Bank and can vary by application.

HDFC Bank Swiggy HDFC Bank Credit Card

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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