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Swiggy HDFC Bank Credit Card

HDFC's co-branded Swiggy card offering 10% cashback on eligible Swiggy spends, 5% on select online merchants and 1% on other eligible spends.

10% SWIGGY · 5% ONLINE_SHOPPING · 1% OTHER · ₹500 annual fee

Last verified: 9 Sept 2026. We verify rewards, fees and key terms against issuer sources — terms can change, so confirm current details with the issuer before applying.

Card overview

Card typeCASHBACK
NetworkMastercard
StatusACTIVE
Slugswiggy-hdfc-bank-credit-card

The key decode

The 10% headline rate isn't unlimited — it's capped at ₹1,500 per month. ONLINE_SHOPPING, OTHER carry their own caps too.

Rewards

  • 10%
    Cashback
    SWIGGY · Swiggy Food, Instamart, Genie, Dineout
    ₹1,500 / statement cycle cap · ₹249 minimum transaction
    ONLINE
    This is the 10% Swiggy cashback rule for the Standard Swiggy HDFC Bank Credit Card. Do not apply to Swiggy Ornge or Swiggy BLCK.
  • 5%
    Cashback
    ONLINE_SHOPPING · Amazon, Flipkart, Meesho, Ajio, Croma, Myntra, Uber, Ola, Zoom, Pharmacies, Electronics, Department Stores, Entertainment, Home Decor, Personal Care, Pet Stores
    ₹1,500 / statement cycle cap · ₹100 minimum transaction
    ONLINE
  • 1%
    Cashback
    OTHER
    ₹500 / statement cycle cap · ₹100 minimum transaction

Fees

JOINING₹500
₹500 + applicable taxes.
ANNUAL₹500
Cash on Call, Balance Transfer and Cash Withdrawal are excluded from spend considered for the renewal fee waiver.
Waiver: Waived on annual spends of ₹2,00,000 or more before the renewal date.

What doesn't earn rewards

  • Prepaid cards / Gift cards / Wallet — Prepaid cards, gift cards and wallet transactions do not earn cashback.
  • Rent & Government — Rent and government-related transactions are excluded from cashback.
  • Fuel — Fuel transactions do not earn cashback.
  • Wallet, Prepaid & Gift Cards — Wallet loads, prepaid cards and gift-card transactions do not earn cashback.
  • Jewellery — Jewellery-related transactions are excluded from cashback.
  • EMI & Card/Financial Transactions — EMI transactions, SmartPay/SmartBuy transactions, cash advances and other specified financial transactions do not earn cashback.
  • Swiggy Money / Liquor / Minis — Swiggy Money Wallet, Swiggy Liquor and excluded Swiggy categories do not qualify for the 10% Swiggy cashback.

Don't just look at the reward rate — look at where the card refuses to pay.

Eligibility

Salaried / self-employed
Age21+ up to 65
Minimum income₹15,000 / monthly
ResidencyIndian resident

Salaried applicants: Indian nationals aged 21–60 with gross monthly income above ₹15,000. Self-employed applicants: Indian nationals aged 21–65 with annual ITR above ₹6 lakh. Approval remains subject to HDFC Bank's internal credit and documentation criteria.