HDFC Bank Swiggy Credit Card
CashbackUPI RuPayShoppingCo-BrandedVerified · September 17, 2026
4.9/5.0
Updated on September 17, 2026
🎖️Reward Rate
1% CashBack on other category spends, up to ₹500 per billing cycle (excludes Fuel, Rent, EMI, Wallet, Jewellery, Government transactions)
Overview
HDFC is transitioning existing Swiggy card holders to Swiggy Ornge/Swiggy BLCK variants
Rewards
Reward Type
Cashback
Reward Rate
- • 1% CashBack on other category spends, up to ₹500 per billing cycle (excludes Fuel, Rent, EMI, Wallet, Jewellery, Government transactions)
- • 10% CashBack on Swiggy app spends (Food ordering, Instamart, Dineout, Genie), up to ₹1,500 per billing cycle
- • 5% CashBack on online shopping categories (Apparels, Electronics, Dept
- • Stores, Personal Care, Local Cabs, Home Décor, Pet Stores, Pharmacies, Discount Stores, Entertainment), up to ₹1,500 per billing cycle
- • Not applicable on transactions below ₹100
Welcome Benefit
Complimentary 3 months Swiggy One Membership on activating the card within the first 30 days of card issuance; claim inside the Swiggy app - benefit available within 2-3 days of activation
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
- • Cashback is credited as statement credit (effective since 21 June 2024)
- • prior month's cashback is adjusted into the following month's statement balance
Benefits
- Access to golf courses worldwide plus 12 free golf lessons per year
- 4 complimentary rounds of green fees per calendar year
- 50% discount on golf services beyond complimentary sessions
- SmartEMI option
- Zero Cost Card Liability if reported immediately to HDFC's 24-hour call centre
- Contactless payments, PIN required for transactions of ₹5,000 or more
- Interest-free period of up to 50 days
- Excluded categories: Wallet, Rent, Government-related transactions, Fuel, Jewellery, EMI (all types), cash advances, travelers' cheques, foreign currency purchase fees, and interest/penalty charges
Things to Know Before you apply
HDFC Bank Swiggy Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: net monthly income of ₹15,000 and above; Self-employed: annual ITR above ₹6,00,000
- Salaried, Self-Employed
- 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 | Not disclosed on HDFC's official page |
Fee waiver: Spend ₹2,00,000 or more in a year (before renewal date) waives the renewal fee; Cash on Call, Balance Transfer, and Cash Withdrawal do not count toward this threshold
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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Rating
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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 on activating the card within the first 30 days of card issuance
- • claim inside the Swiggy app - benefit available within 2-3 days of activation
- • ₹350 worth of activation benefits + ₹250 Flipkart voucher on first transaction within 30 days (not for first-year-free cards
- • only paid cards with Joining+Annual fee qualify) + 50% off up to ₹100 on Swiggy (code AXISFKNEW) for first-time Swiggy users
- • ₹250 Amazon eVoucher on first transaction within 30 days of card issuance (not applicable for cards issued without Joining Fee)
Reward/Cashback Rate
- • 1% CashBack on other category spends, up to ₹500 per billing cycle (excludes Fuel, Rent, EMI, Wallet, Jewellery, Government transactions)
- • 10% CashBack on Swiggy app spends (Food ordering, Instamart, Dineout, Genie), up to ₹1,500 per billing cycle
- • 5% CashBack on online shopping categories (Apparels, Electronics, Dept
- • Stores, Personal Care, Local Cabs, Home Décor, Pet Stores, Pharmacies, Discount Stores, Entertainment), up to ₹1,500 per billing cycle
- • Not applicable on transactions below ₹100
- • Top-tier cashback rate — Myntra: 7.5% cashback on Myntra spends, capped at ₹4,000 per statement quarter
- • Top-tier cashback rate — Flipkart: 5% cashback on Flipkart and Cleartrip spends, capped at ₹4,000 per statement quarter per merchant
- • Preferred merchant cashback (4%): Unlimited 4% cashback on 'Preferred Merchants' (list not fully visible in captured screenshots)
- • Cleartrip is actually grouped in the 5%-capped tier per official site, not the 4% tier
- • Base Reward Rate — Airtel Bills: 25% cashback, same categories
- • cap is 'twice the base cashback earned during the same statement month' (dynamic, not flat ₹250)
- • Reward Rate — Utility Bills: 10% cashback
- • cap is 'the base cashback earned during the same statement month' (dynamic, not flat ₹250)
- • Reward Rate — Food/Grocery Delivery: 10% value back on Zomato, Blinkit & District Movies, capped ₹200/partner/month, MOV ₹499 for Zomato/Blinkit
- • Base Reward Rate — Other Spends: 1% cashback/base cashback on all other spends (excluded MCC categories apply)
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
- • 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App.
- • 10% cashback on eligible utility bill payments via Airtel Thanks App.
- • 1% base cashback on other eligible spends.
- • 10% value back on Zomato, Blinkit and District Movies, subject to the stated monthly cap and minimum order value conditions.
- • Annual fee of ₹500 can be waived when annual spends exceed ₹2,00,000, subject to stated exclusions.
- • 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹4,000, with maximum benefit up to ₹500 per statement.
- • Amazon eVoucher worth ₹250 on the first transaction within 30 days of card issuance, subject to the stated joining-fee condition.
- • Wednesday offers include up to 15% off flights and hotels via Goibibo and MakeMyTrip, 10% off Swiggy orders and 10% off up to ₹1,000 on Tira.
- • Transactions of ₹1,500 or more can be converted into EMI by contacting Axis Bank.
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
- • Joining fee is ₹500.
- • Annual fee is ₹500 from the second year onward unless the stated spend-based waiver is achieved.
- • Airtel and utility cashback caps are linked to base cashback earned during the same statement month rather than a fixed monthly rupee cap.
- • Zomato and Blinkit value back has a minimum order value of ₹499.
- • Foreign currency transaction fee is 3.50% of the transaction value.
- • Finance charges are 3.75% per month (55.55% per annum) on retail purchases and cash.
- • Cash withdrawal fee is minimum ₹500, up to 2.5% of the cash withdrawal amount.
- • Certain transaction categories carry a 1% fee after the stated thresholds, including wallet loads, fuel and utilities
- • education via third-party apps carries a 1% per-transaction fee.
- • No cashback is earned on fuel transactions.
- • The ₹250 welcome eVoucher is not applicable for cards issued without Joining Fee.