HDFC Bank
HDFC SWIGGY Credit Card
Best for Swiggy food orders
₹500/yr annual fee
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹500/yr
Reward rate
Not published
Min. income
₹1,80,000
Forex markup
3.5%
Lounge access
None
Eligibility
₹1.80 lakh/yr
Reward cap
No published cap
Welcome benefit
Complimentary Swiggy One membership for 3 months on card activation, claimed via the Swiggy app
Swiggy HDFC Bank Credit Card pays 10% cashback on Swiggy app spends, 5% on online MCCs and 1% elsewhere, with a Rs 500 fee waived on Rs 2 lakh spend.
Who is this for
- Food & dining spender
- Online shopper
What we like
- Welcome benefit on fee payment
Watch out for
- 3.5% foreign-transaction markup
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.hdfcbank.comFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹500 | Promo windows have offered lifetime free for a limited period |
| Annual fee | ₹500 | Spend Rs 2,00,000+ in a year before renewal to waive the renewal fee |
| Forex markup | 3.5% | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1% cashback on other categories (exclusions and capping apply) | — | Statement credit (cashback redemption moved to statement credit w.e.f 21 June 2024) |
| DINING | 10% cashback on Swiggy application (food ordering, Instamart, Dineout & Genie) | — | Statement credit |
| ONLINE | 5% cashback on online spends across eligible online MCCs | — | Statement credit |
Benefits
-
Swiggy One welcome benefit Highlight
Complimentary Swiggy One membership for 3 months on card activation, claimed via the Swiggy app
-
Mastercard golf privileges
4 complimentary green-fee rounds per calendar year and 12 free lessons annually via the Mastercard Priceless golf program
-
Zero lost-card liability
Zero liability on fraudulent transactions reported immediately after loss
Eligibility
- Age
- 21–65 years
- Min. income
- ₹1,80,000
- Documents
- Salaried Indians 21-60 with net monthly income above Rs 15,000; self-employed 21-65 with ITR above Rs 6 lakh.
Read the full application walkthrough: HDFC SWIGGY Credit Card apply guide.
Fees and charges
- Joining fee: Rs 500 — Promo windows have offered lifetime free for a limited period
- Annual fee: Rs 500 — Spend Rs 2,00,000+ in a year before renewal to waive the renewal fee
- Forex markup: 3.5% — HDFC-wide 3.5% markup on international/cross-currency transactions
Rewards
- ALL: 1% cashback on other categories (exclusions and capping apply) Redemption: Statement credit (cashback redemption moved to statement credit w.e.f 21 June 2024).
- DINING: 10% cashback on Swiggy application (food ordering, Instamart, Dineout & Genie) Redemption: Statement credit.
- ONLINE: 5% cashback on online spends across eligible online MCCs Redemption: Statement credit.
Benefits
- Swiggy One welcome benefit: Complimentary Swiggy One membership for 3 months on card activation, claimed via the Swiggy app
- Mastercard golf privileges: 4 complimentary green-fee rounds per calendar year and 12 free lessons annually via the Mastercard Priceless golf program
- Zero lost-card liability: Zero liability on fraudulent transactions reported immediately after loss
Eligibility
- Minimum income: Rs 1,80,000 per annum
- Age: 21-65 years Salaried Indians 21-60 with net monthly income above Rs 15,000; self-employed 21-65 with ITR above Rs 6 lakh.
Terms last reviewed 3 Sept 2026 against issuer-published schedules.
Issuer: HDFC Bank. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.
Step-by-step application guide: Read the HDFC SWIGGY Credit Card apply walkthrough →
Apply for HDFC SWIGGY Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the HDFC SWIGGY Credit Card worth it?
What is the annual fee for the HDFC SWIGGY Credit Card?
How does the HDFC SWIGGY Credit Card reward rate work?
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Does the HDFC SWIGGY Credit Card offer airport lounge access?
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