HDFC Bank Swiggy Credit Card
CashbackUPI RuPayShoppingCo-BrandedVerified · August 25, 2026
4.9/5.0
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 1% Cashback per ₹100 (1% cashback on other retail and offline spends (capped at ₹500/mo))
Overview
HDFC Bank Swiggy Credit Card by HDFC Bank provides premium value tailored for Co-brand cardholders.
Rewards
Reward Type
Cashback
Reward Rate
- • Base Rewards: 1% Cashback per ₹100 (1% cashback on other retail and offline spends (capped at ₹500/mo))
- • Accelerated Rewards: 10% Cashback on Swiggy application spends (Food ordering, Instamart, Dineout, Genie) capped at ₹1,500/mo
- • 5% Cashback on top 1000+ online shopping apps (Amazon, Flipkart, Myntra, Nykaa, Uber, Ola, etc.) capped at ₹1,500/mo
- • Excluded Categories: Fuel, Rent, Wallet loads, Government services, Jewellery
Welcome Benefit
Complimentary 3 Months Swiggy One Membership upon card activation; Qualification Criteria: Card activation and linking in Swiggy app within 30 days; Fulfillment Timeline: Activated automatically in Swiggy app within 7 days of first card transaction
Milestone Benefit
Spend ₹2 Lakhs (Annual): Annual renewal fee waiver; Annual Fee Waiver: Spend ₹2 Lakhs or more in preceding 12 months for fee waiver
Redemption
Automatically credited as Swiggy Money balance in linked Swiggy app or card statement
Benefits
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per statement cycle)
- Swiggy Dineout Additional Discounts: Extra up to 10% discount on top of restaurant offers when paying with Swiggy HDFC card via Swiggy Dineout. (Applicable at all Swiggy Dineout partner restaurants) [Partners: Swiggy Dineout]
Things to Know Before you apply
HDFC Bank Swiggy Credit Card Eligibility Criteria
- Age: 21–60 years
- Salaried: Net monthly income > ₹25,000; Self-employed: ITR > ₹6.0 Lakhs
- Salaried & Self-Employed Individuals
- Resident Indian
HDFC Bank Swiggy Credit Card Customer Care
- Toll Free: 1800 1600 / 1800 2600
- Landline: +91 22 6160 6161
- Concierge Service: customerservices.cards@hdfcbank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹2 Lakhs or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
HDFC Bank Swiggy Credit Card issued by HDFC Bank is one of India's leading credit cards for Co-brand spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 1% Cashback per ₹100 (1% cashback on other retail and offline spends (capped at ₹500/mo))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
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Best Suited for
CashbackUPI RuPayShoppingCo-Branded
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Cashback
Fee Details
Joining Fee
₹500
Annual/Renewal Fee
₹500
Joining Fee
₹500
Annual/Renewal Fee
₹500
Joining Fee
₹500
Annual/Renewal Fee
₹500
Welcome Benefit
- • Complimentary 3 Months Swiggy One Membership upon card activation
- • Qualification Criteria: Card activation and linking in Swiggy app within 30 days
- • Fulfillment Timeline: Activated automatically in Swiggy app within 7 days of first card transaction
- • ₹500 Flipkart voucher + ₹100 Swiggy discount + ₹500 Myntra discount on first transaction within 30 days
- • Qualification Criteria: First card swipe within 30 days
- • Fulfillment Timeline: 30 days
- • Amazon.in e-gift voucher worth ₹500 upon first transaction within 30 days
- • Qualification Criteria: First retail spend within 30 days
- • Fulfillment Timeline: 30 days
Reward/Cashback Rate
- • Base Rewards: 1% Cashback per ₹100 (1% cashback on other retail and offline spends (capped at ₹500/mo))
- • Accelerated Rewards: 10% Cashback on Swiggy application spends (Food ordering, Instamart, Dineout, Genie) capped at ₹1,500/mo
- • 5% Cashback on top 1000+ online shopping apps (Amazon, Flipkart, Myntra, Nykaa, Uber, Ola, etc.) capped at ₹1,500/mo
- • Excluded Categories: Fuel, Rent, Wallet loads, Government services, Jewellery
- • Base Rewards: 5% Cashback per ₹100 (5% unlimited cashback on Flipkart & Myntra)
- • 4% Cashback per ₹100 (4% cashback on preferred partner merchants (Swiggy, PVR, Uber, Tata 1mg, Cleartrip))
- • 1% Cashback per ₹100 (1% unlimited cashback on all other eligible retail spends)
- • Accelerated Rewards: Automatic direct credit to monthly credit card statement bill with zero minimum threshold
- • Excluded Categories: Fuel, Wallet loads, Rent, Education, Govt payments
- • Base Rewards: 25% Cashback per ₹100 (25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App (capped at ₹250/mo))
- • 10% Cashback per ₹100 (10% cashback on utility bill payments (Electricity, Gas, Water) via Airtel Thanks App (capped at ₹250/mo))
- • 10% Cashback per ₹100 (10% cashback on Swiggy, Zomato & BigBasket (capped at ₹500/mo combined))
- • 1% Cashback per ₹100 (1% unlimited cashback on all other eligible spends)
- • Accelerated Rewards: Auto-credited directly to monthly statement bill
- • Excluded Categories: Fuel, Wallet loads, Rent, Education
Pros
- • Base Rewards: 1% Cashback per ₹100 (1% cashback on other retail and offline spends (capped at ₹500/mo))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 5% Cashback per ₹100 (5% unlimited cashback on Flipkart & Myntra)
- • 4% Cashback per ₹100 (4% cashback on preferred partner merchants (Swiggy, PVR, Uber, Tata 1mg, Cleartrip))
- • 1% Cashback per ₹100 (1% unlimited cashback on all other eligible retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 25% Cashback per ₹100 (25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App (capped at ₹250/mo))
- • 10% Cashback per ₹100 (10% cashback on utility bill payments (Electricity, Gas, Water) via Airtel Thanks App (capped at ₹250/mo))
- • 10% Cashback per ₹100 (10% cashback on Swiggy, Zomato & BigBasket (capped at ₹500/mo combined))
- • 1% Cashback per ₹100 (1% unlimited cashback on all other eligible spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions