Swiggy Hdfc Credit Card

Key Features & Benefits

The Swiggy HDFC Credit Card is a perfect companion for frequent food delivery and online shoppers who want to maximize their cashback rewards. It offers an attractive 10% cashback on all Swiggy spends including food, Instamart, Dineout, and Genie, ensuring substantial savings for regular users of the platform. Additionally, cardholders earn 5% cashback on select online shopping categories like apparel, electronics, entertainment, and local cabs, up to ₹1,500 per billing cycle, further amplifying their benefits for everyday online purchases.

Beyond cashback, the card provides a complimentary 3-month Swiggy One membership worth ₹1,199, delivering perks such as free delivery and exclusive offers that enhance the overall user experience. Cardholders also enjoy Mastercard World privileges such as up to 12 free golf lessons and four complimentary rounds of golf annually, offering lifestyle rewards beyond just shopping. Protection features include zero lost card liability and the convenience of contactless payments. With a low joining and annual fee, along with a waiver on spending ₹2 lakh annually, this card balances rewards, perks, and affordability for avid foodies and online shoppers alike.

All You Need to Know About: Swiggy Hdfc Credit Card

The Swiggy HDFC Credit Card is a co-branded credit card designed for frequent users of the Swiggy app and avid online shoppers. It offers an attractive cashback structure with 10% cashback on all Swiggy spends, including food delivery, Instamart, Dineout, and Genie services, capped at ₹1,500 per billing cycle. Additionally, it provides 5% cashback on select online shopping categories such as apparel, electronics, entertainment, pet stores, and cabs, also capped at ₹1,500 per billing cycle. For all other spends, a 1% cashback is provided up to ₹500 per month, credited directly to the card statement, allowing for seamless usage without restrictions on Swiggy app spends.

On activation, cardholders receive a complimentary 3-month Swiggy One membership worth ₹1,199, which offers free delivery and exclusive discounts on Swiggy services. The card includes Mastercard World benefits like golf access and hotel discounts, enhancing lifestyle rewards beyond just cashback. The Swiggy HDFC Credit Card charges a joining and an annual fee of ₹500 each plus GST; however, the annual fee is waived if the cardholder spends ₹2 lakh or more in the previous year. Interest on outstanding balances is 3.75% per month (45% per annum), with a 3.5% forex markup on international transactions and a ₹99 cashback redemption fee.

This card does not provide complimentary airport lounge access or fuel surcharge waivers, making it a focused rewards card for foodies and online shoppers rather than travelers. Eligibility requires a minimum annual income of ₹1.8 lakh for salaried individuals and ₹6 lakh for self-employed persons. Applying is simple through the Swiggy app or HDFC Bank’s website, with KYC and income proof required for approval. Overall, the Swiggy HDFC Credit Card offers excellent value for users who want to maximize cashback on food delivery and online retail spends while enjoying easy redemption and added lifestyle perks.

This card is best suited for salaried professionals and self-employed individuals who regularly order on Swiggy and shop online across major categories, providing substantial savings and convenient rewards tailored to an active digital lifestyle. It strikes a balance between rewards, fees, and perks for those focused on cashback and Swiggy platform benefits.

The Swiggy HDFC Credit Card provides a robust rewards program with straightforward benefits, making it ideal for diners, grocery buyers, and online shoppers looking for hassle-free cashback and value-added exclusives through the Swiggy ecosystem.

Pros & Cons

How to Apply

1. Visit the official HDFC Bank website or the Swiggy app’s account section to start your application.

2. Fill out the online application form with your personal and financial details.

3. Upload necessary documents like identity proof and address proof; complete the KYC via video or branch visit if required.

4. Submit the application and await approval; once approved, the card will be delivered to your address within 10-15 working days.

Detailed Fee Structure

The Swiggy HDFC Credit Card charges a joining fee and an annual renewal fee of ₹500 each plus applicable GST. The annual fee is waived if the cardholder spends ₹2,00,000 or more in the previous year. Interest on revolving credit is 3.75% per month (45% per annum), applicable if the outstanding balance is not paid in full each month. A foreign currency markup fee of 3.5% applies on international transactions.

Additional charges include a cash advance fee of 2.5% of the amount withdrawn with a minimum of ₹500 per transaction. Cashback redemption incurs a ₹99 fee per request. The card does not offer complimentary airport lounge access or fuel surcharge waiver. Wallet, rent, EMI, fuel, and certain other spends are excluded from cashback. All fees are subject to GST and may include miscellaneous charges like lost card replacement fees and late payment penalties.

Who Should Get This Card?

The Swiggy HDFC Credit Card is best for frequent food delivery users and online shoppers looking to maximize cashback rewards. It suits those who regularly order from Swiggy’s food, Instamart, Dineout, and Genie services, earning 10% cashback on these spends. Additionally, it benefits users who shop online across categories like apparel, electronics, and entertainment with an extra 5% cashback. Ideal for salaried professionals and self-employed individuals aged 21-60 years, this card combines lifestyle perks with significant savings for everyday digital spends and food enthusiasts.

Alternatives & Competitor Comparison

Feature	Swiggy Hdfc Credit Card	SBI Cashback Credit Card
Card Image
Card Network	Mastercard	Visa
USP	The Swiggy HDFC Credit Card offers 10% cashback on all Swiggy spends including food, Instamart, and Dineout, plus 5% cashback on select online shopping and 1% on other retail spends. It is ideal for frequent food delivery users and online shoppers seeking maximum cashback with easy redemption and low fees.	The SBI cashback Credit Card offers attractive 5% cashback on all online spends and 1% on offline transactions, making it the perfect card for frequent online shoppers and everyday spenders seeking maximum savings with easy fee waiver options.
Annual Fee	500 Lifetime free for select users	999 Plus GST
Joining Fee	500 Lifetime free for select users	999 Plus GST
Welcome Benefits	Complimentary 3-month Swiggy One Membership worth ₹1,199 on card activation; no direct cashback or vouchers at joining	N/A
Lounge Access	N/A	N/A
Reward Rate	Earn 10% cashback on Swiggy orders (food, Instamart, Dineout, Genie) up to ₹1,500/month, 5% cashback on eligible online shopping up to ₹1,500/month, and 1% cashback on other retail spends up to ₹500/month. cashback does not apply to fuel, rent, wallets, EMI, jewelry, and specific exclusions	5% cashback on all online spends without any merchant restrictions; 1% cashback on all offline spends; fuel surcharge waiver of 1% on fuel transactions between ₹500 and ₹3,000 (max ₹100 per billing cycle); no cashback on fuel payments, merchant EMIs, wallet loads, etc.
Interest Rate	3.75% per month (45% per annum)	3.75% per month (45% per annum) on unpaid balances
Best For	Food Ordering, Online Shopping	Online Shopping
Apply Now	Apply Now	Apply Now

Frequently Asked Questions