Swiggy HDFC Bank Credit Card
Updated on August 11, 2026
🎖️Reward Rate
10% Cashback on Swiggy application spends (Food, Instamart, Dineout, Genie)
Overview
The Swiggy HDFC Bank Credit Card by HDFC Bank is a carefully crafted credit card designed to offer significant value in cashback. It comes packed with premium privileges including fuel surcharge waivers, lucrative milestone bonuses. Whether you are looking for solid reward rates or exclusive perks, this card stands out as a robust choice in its segment.
Rewards
Reward Type
Cashback
Reward Rate
10% Cashback on Swiggy application spends (Food, Instamart, Dineout, Genie)
Welcome Benefit
3 Months Swiggy One Membership on card activation
Milestone Benefit
Annual renewal fee waiver on spending ₹2,00,000 in previous year
Redemption
- • Cashback: 1 Reward Point = ₹0.20 to ₹1.00
- • Rewards Catalogue: 1 HDFC Point = ₹0.30 on Rewards Catalogue
- • SmartBuy/Portal: 10X / 5X Reward Points on HDFC SmartBuy Portal
Benefits
- • Fuel Waiver: 1% fuel surcharge waiver across fuel stations in India
- • Insurance: Zero Lost Card Liability
Things to Know Before you apply
Swiggy HDFC Bank Credit Card Eligibility Criteria
- Age: 18–65 years
- INR 25,000 per month
- Salaried & Self-Employed
- Resident Indian
Swiggy HDFC Bank Credit Card Customer Care
- Toll Free: 1800 11 2211
- Landline: +91 22 6600 0000
- Concierge Service: concierge@paisasimple.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 3.5% or Rs. 500 whichever is higher |
Fee waiver: Waived on spending ₹2,00,000 or more in previous year
PaisaSimple Review
Overall Rating
What do we like about this card?
We have awarded the Swiggy HDFC Bank Credit Card an overall rating of 4.0/5 primarily due to its cashback rewards, milestone bonuses. While it carries an annual fee of ₹500, the value derived from its welcome benefits and reward structure easily offsets the cost for regular users. However, potential applicants should note that it annual fee of ₹500 applies (waiver conditions may apply). Overall, it is a well-rounded credit card suitable for individuals looking to maximize value on their everyday spends.
Pros
- • Offers welcome benefits upon joining
- • Attractive milestone spend bonuses
- • Fuel surcharge waiver included
- • Strong cashback earning potential
Cons
- • Annual fee of ₹500 applies (waiver conditions may apply)
- • Lacks complimentary airport lounge access
- • Limited dining privileges