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Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 10% Cashback
Earn 10% cashback on the Swiggy App (Food, Instamart, Dineout) capped at ₹1,500/month (minimum transaction ₹249 required). Earn 5% cashback on online spends across top apps/websites capped at ₹1,500/month. Earn 1% cashback on other offline/online eligible spends capped at ₹500/month (minimum transaction ₹100 for 5% & 1% categories). Excludes fuel, rent, EMI, wallet loads, jewellery, and government transactions.
Redeem for
The privileges that come bundled in, beyond the reward points.
Annual Fee Waiver: The ₹500 + 18% GST renewal fee is waived upon achieving ₹2 Lakhs in eligible spends in the preceding card anniversary year
Golf Privileges: 4 complimentary rounds of green fees per calendar year and 12 free golf lessons annually (available via the Mastercard World program)
Dining Offers: Up to 15% discount on dining at partner restaurants via Swiggy Dineout
Birthday Offer: Additional 10% discount on Swiggy Dineout (up to ₹500 on a minimum order of ₹3,000) valid for 7 days around your birthday
An honest read on where this card earns its keep — and where it doesn't.
Industry-leading 10% cashback on Swiggy food delivery
Instamart groceries, and Dineout
Strong 5% flat cashback on major online shopping platforms (Amazon
Flipkart
Myntra, etc.)
Cashback is completely frictionless and auto-credited directly to the next month's statement
Low joining fee of ₹500 easily offset by the complimentary Swiggy One membership
No complimentary domestic airport lounge access
The 10% Swiggy cashback now strictly requires a minimum transaction value of ₹249 (w.e.f April 2026)
Strict monthly cashback caps (₹1,500 on Swiggy
₹1,500 on online, and ₹500 on offline spends)
High annual spend target of ₹2 Lakhs required to waive the basic ₹500 renewal fee
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Swiggy HDFC Bank Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for Swiggy HDFC Bank Credit Card.
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Everything you need to know about Swiggy HDFC Bank Credit Card fees, reward conversion, lounge access, and application eligibility.
Swiggy HDFC Bank Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Complimentary 3-month Swiggy One Membership upon card activation (must be activated as per RBI guidelines).".
Swiggy HDFC Bank Credit Card earns Cashback at a primary rate of Up to 10% Cashback. Specifically, Earn 10% cashback on the Swiggy App (Food, Instamart, Dineout) capped at ₹1,500/month (minimum transaction ₹249 required). Earn 5% cashback on online spends across top apps/websites capped at ₹1,500/month. Earn 1% cashback on other offline/online eligible spends capped at ₹500/month (minimum transaction ₹100 for 5% & 1% categories). Excludes fuel, rent, EMI, wallet loads, jewellery, and government transactions.. Spends in Dining, Shopping, Cashback, Co-branded categories provide the maximum valueback per transaction on this card.
Rewards earned on Swiggy HDFC Bank Credit Card can be redeemed for Statement Credit (Cashback is auto-credited to the card statement in the next billing cycle) via HDFC Bank's official rewards portal or mobile banking app. Points typically carry a multi-year validity period, though regular redemption against high-value vouchers or statement balances is advised.
A CIBIL credit score of 700 or above is strongly recommended for approval of Swiggy HDFC Bank Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Swiggy HDFC Bank Credit Card is issued on the Mastercard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Swiggy HDFC Bank Credit Card levies a forex markup fee of 3.5% of the transaction amount + 18% GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Swiggy HDFC Bank Credit Card currently features a welcome offer: "Complimentary 3-month Swiggy One Membership upon card activation (must be activated as per RBI guidelines).". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Industry-leading 10% cashback on Swiggy food delivery and Instamart groceries. However, keep in mind that No complimentary domestic airport lounge access and The 10% Swiggy cashback now strictly requires a minimum transaction value of ₹249 (w.e.f April 2026). Overall, Swiggy HDFC Bank Credit Card delivers strong value if your regular spending aligns with Dining, Shopping, Cashback, Co-branded.
Swiggy HDFC Bank Credit Card is focused on Dining and Shopping and Cashback and Co-branded valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
You can apply for Swiggy HDFC Bank Credit Card directly through HDFC Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
