Swiggy HDFC Bank Credit Card
Best for: frequent Swiggy users who want 10% back on the app and 5% on a wide set of online categories.
Why it ranks
- Cashback goes straight to the statement
- Low fee that is waived on ₹2 lakh spend
- The 5% rate covers more than food delivery
What holds it back
- No airport lounge access
- No cashback on fuel, rent, EMI, wallet, jewellery or government spends
- Swiggy Money, Liquor and Minis orders do not earn cashback
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Swiggy HDFC Bank Credit Card pays 10% cashback on Swiggy orders, 5% on a range of online categories and 1% elsewhere, each with a cap per billing cycle. The ₹500 fee is waived on ₹2 lakh annual spend.
Swiggy HDFC Bank Credit Card at a glance
| Issuer | HDFC Bank |
| Card network | See issuer |
| Annual fee | ₹500 + GST (renewal fee waived on ₹2 lakh annual spend) |
| Welcome bonus | 3-month Swiggy One membership on activating the card within 37 days of issuance |
| Rewards rate | 10% cashback on Swiggy food, Instamart, Dineout and Genie (up to ₹1,500 a billing cycle); 5% on select online categories (up to ₹1,500 a cycle); 1% on other spends (up to ₹500 a cycle) |
| Intro APR | None |
| Regular APR | 3.75% a month (45% a year) |
| Foreign transaction fee | 3.5% foreign currency markup |
| Airport lounge access | None |
| Credit needed | Salaried: monthly income of ₹15,000 and above; see issuer for other criteria |
| Best for | Frequent Swiggy users who also shop online for apparel, electronics and cabs |
Key features
- 10% cashback on Swiggy app orders, capped at ₹1,500 per billing cycle
- 5% cashback on online apparel, electronics, department stores, local cabs, pharmacies and entertainment, capped at ₹1,500 per cycle
- 1% cashback on other spends, capped at ₹500 per cycle
- Cashback credited to the card statement
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: hdfc.bank.in · hdfc.bank.in · hdfc.bank.in
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | HHDFC BankSwiggy₹500/yr · IN Swiggy HDFC Bank Credit CardFrequent Swiggy users who also shop online for apparel, electronics and cabs |
₹500/yr | 10% cashback on Swiggy food, Instamart, Dineout and Genie (up to ₹1,500 a billin… | 3-month Swiggy One membership on activating the card within… | 3.5% foreign currency mark… | Salaried: monthly income of ₹15,… | |
| 2 | HHDFC BankHDFC Infinia Metal Edition₹12,500/yr · IN HDFC Infinia Credit Card (Metal Edition)High-net-worth spenders who want top-tier travel and luxury perks |
₹12,500/yr | 3.3% base value, up to 33% on SmartBuy bookings | 12,500 bonus Reward Points on fee payment | 2% markup on foreign curre… | Excellent | |
| 3 | HHDFC BankHDFC Diners Club Black Metal₹10,000/yr · IN HDFC Diners Club Black Metal Credit CardFrequent flyers who want luxury perks on the Diners network |
₹10,000/yr | 3.3% base, up to 33% via SmartBuy | Club Marriott, Amazon Prime and Swiggy One (3 months) on spe… | 2% markup on foreign curre… | Excellent | |
| 4 | IICICI BankAmazon PayNo annual fee · IN Amazon Pay ICICI Bank Credit CardAmazon regulars who want a free everyday cashback card |
None | 5% Amazon (Prime), 3% (non-Prime), 1% elsewhere | Amazon Pay balance offer on activation (varies) | 1.99% markup on foreign cu… | Invite-only; ICICI lists age 21+… |
Reader reviews
No reader reviews yet. Have this card? Share how it has worked for you.
Write a review
Reviews appear after moderation.
Comments & Questions (0)
No comments yet — be the first to ask. Comments appear after review.
Leave a comment
Your comment appears after our team approves it. Or sign in to post faster.