HDFC Bank Swiggy Credit Card
HDFC Bank · Visa
Why this card?
- 10% cashback on dining and food delivery and groceries at Swiggy; 1% on other spends
- ₹500 joining and annual fee; renewal fee waived on ₹2 lakh yearly spend
- 1% fuel surcharge waiver
Card details
- Issuer
- HDFC Bank
- Network
- Visa
- Annual Fee
- ₹500
- Joining Fee
- ₹500
- Reward Type
- cashback
- Best Reward Rate
- 10% on dining at swiggy
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹15,000
- Rates verified
- 2026-10-06
Our verdict
HDFC Swiggy is a strong card for heavy Swiggy users — 10% cashback on Swiggy food orders, Instamart, Dineout and Genie, plus 5% on selected online categories (capped at ₹1,500 per billing cycle) and 1% on other eligible spends (capped at ₹500 per billing cycle), at ₹500/year. HDFC has begun moving existing holders to the Swiggy Ornge and Swiggy BLCK variants, so check which version is currently offered. Activating within 30 days earns 3 months of Swiggy One membership, and the fee is waived at ₹2 lakh of annual spend.
Pros
- 10% cashback on Swiggy app orders including food, Instamart, Dineout and Genie
- 5% cashback on selected online categories such as apparel, electronics, pharmacy and entertainment (capped ₹1,500 per billing cycle)
- 3 months of Swiggy One membership when the card is activated within 30 days
- 1% cashback on other eligible spends
Cons
- The 5% tier covers only listed categories and is capped at ₹1,500 per billing cycle — it hits the ceiling at ₹30,000 of spend in those categories
- 1% cashback on other spends is capped at ₹500 per billing cycle; fuel, rent, EMI, wallet and jewellery are excluded
- No lounge access whatsoever
- 3.5% forex markup — not for international use