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.
Why the Swiggy HDFC Bank Credit Card ranks where it does
The Swiggy HDFC card is a strong low-fee cashback card that reaches well beyond food delivery. It pays 10% on Swiggy food, Instamart, Dineout and Genie, up to ₹1,500 a billing cycle; 5% on online apparel, electronics, department stores, local cabs, pharmacies and entertainment, also up to ₹1,500 a cycle; and 1% on other spends, up to ₹500. Cashback goes straight to the statement.
The caps are generous for a ₹500 card. The 10% tier fills at ₹15,000 of Swiggy spend a cycle and the 5% tier at ₹30,000 of online spend, so few households reach either. The fee is ₹500 plus GST, waived on ₹2 lakh of annual spend, and the welcome benefit is a three-month Swiggy One membership if you activate within 30 days.
The gaps are clear in the terms. There is no lounge access. Fuel, rent, EMI, wallet loads, jewellery and government spends earn nothing, and within Swiggy, Swiggy Money, Liquor and Minis orders are excluded. Use it as the main card for delivery apps and online shopping, and pair it with something that pays on bills.
Good fit if
- Households that order regularly on Swiggy and Instamart
- Online shoppers in apparel, electronics and pharmacy categories
- People who want statement cashback without redemption steps
Skip it if
- Travellers who want lounge access
- People whose main spends are rent, fuel or government payments
Assume ₹6,000 a month on Swiggy and Instamart, ₹8,000 on eligible online categories and ₹10,000 on other spends. Swiggy earns 10%, or ₹600; online categories 5%, or ₹400; other spends 1%, or ₹100. All three sit below their caps, so the card returns ₹1,100 a cycle, ₹13,200 a year. Annual spend of ₹2.88 lakh waives the ₹500 fee. All of it arrives as statement credit, so no valuation is needed.
How it stacks up
The HDFC Millennia spreads 5% across ten merchants, Swiggy among them, but costs ₹1,000 and caps each tier at 1,000 points a month. The HSBC Live+ pays 10% on dining, food delivery and grocery from any merchant, not just Swiggy, but that 10% stops at ₹1,200 a month and the card is offered only in select cities. For a Swiggy-heavy household, the Swiggy card still earns the most.
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+… |
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