Key Benefits
10% Swiggy cashback, 5% online, golf, Swiggy One membership
Lounge Access
No complimentary airport lounge access
Eligibility
Min salary Rs 15K/month, age 21-60, Indian citizen
The Swiggy HDFC Bank Credit Card is one of the best cashback credit cards for food delivery and online shopping enthusiasts. With 10% cashback on Swiggy and 5% on popular online platforms, it offers excellent value for a Rs 500 annual fee. However, it lacks travel benefits like lounge access and has a steep forex markup, making it purely a domestic cashback card. Ideal as a companion card alongside a travel-focused credit card.
Best For
Frequent Swiggy users who order food, groceries via Instamart, and dine out regularly. Also great for online shoppers on Amazon, Flipkart, Myntra, and other platforms.
Not Ideal For
Those who need airport lounge access, fuel surcharge waiver, or primarily spend on offline/international transactions. Not ideal for travellers due to high 3.5% forex markup.
All Spends
Swiggy
Online
Amazon
Flipkart
Myntra
Nykaa
Bookmyshow
Shopping
Movies
Redeem your points for cashback, travel, and more
Statement Credit
Cashback earned is automatically credited as statement credit in the following billing cycle.
Extra 10% off on Swiggy Dineout (up to Rs 500, min Rs 3K) during birthday week. Use code SWIGGYCARDBDAY. Once per year.
Spend ₹3,000 within 7 days
value
Complimentary 3-month Swiggy One membership (worth Rs 1,199) on activation. Extended to 12 months for applications via Swiggy app (limited period).
value
Annual/renewal fee of Rs 500 waived on spending Rs 2 lakh or more in a year before the renewal date. Excludes cash withdrawal, cash on call, and balance transfer.
Spend ₹2,00,000 within 365 days
value
Earn 1 IndiGo BluChip for every Rs 250 spent on Swiggy platforms (Food Delivery, Dineout, Instamart). BluChips can be used for IndiGo flight bookings.
Spend ₹250 within 30 days
value
Golf
4 /year
100.00% off
4 complimentary green fee rounds per year (1/month) + 12 golf lessons per year. 50% off additional rounds.
Dining
1 /year
100.00% off
Complimentary stay and dinner for one at select Mastercard partner locations worldwide.
Custom
12.00% off
Up to 12% instant discount on worldwide hotel bookings via Agoda.
See how this card performs in different spending categories compared to other cards.
The Swiggy HDFC Bank Credit Card is a co-branded cashback credit card launched by HDFC Bank in partnership with Swiggy, India's leading food delivery and quick-commerce platform. It is designed for users who frequently order food, groceries, and dine out through the Swiggy ecosystem.
With an industry-leading 10% cashback on Swiggy spends and 5% cashback on popular online shopping platforms, this card delivers exceptional value for a modest annual fee of Rs 500. The card operates on the Mastercard World network, unlocking additional lifestyle benefits including golf privileges and hotel discounts.
The Swiggy HDFC Bank Credit Card is a co-branded Mastercard World credit card issued by HDFC Bank exclusively for Swiggy users and food enthusiasts. It combines high cashback rates on food delivery and online shopping with Mastercard World tier privileges.
Earn 10% cashback on all Swiggy App transactions including food ordering, Instamart grocery delivery, Dineout restaurant bookings, and Genie delivery services. The maximum cashback is capped at Rs 1,500 per billing cycle. Transactions on Swiggy Money Wallet, Swiggy Minis, and Swiggy Liquor are excluded.
Enjoy 5% cashback on a wide range of online spending categories based on Merchant Category Codes (MCCs). Eligible categories include Apparels, Electronics, Department Stores, Entertainment, Home Decor, Pharmacies, Personal Care, Local Cabs (Ola, Uber), Pet Stores, and Discount Stores (Amazon, Flipkart, Myntra, Meesho, Ajio). Maximum cashback is Rs 1,500 per billing cycle. Gift cards and grocery purchases within these categories do not earn cashback.
Earn 1% cashback on all other eligible categories not covered above, capped at Rs 500 per billing cycle. Fuel, rent, wallet, EMI, jewellery, and government transactions are excluded.
In addition to cashback, earn 1 IndiGo BluChip for every Rs 250 spent on Swiggy platforms (Food Delivery, Dineout, and Instamart). BluChips can be redeemed for IndiGo flight bookings.
As a Mastercard World tier card, enjoy complimentary golf benefits with 4 rounds of green fees per year and 12 golf lessons annually. Get up to 12% instant discount on hotel bookings via Agoda, and a complimentary stay and dinner for one at select Mastercard partner locations worldwide.
The Swiggy HDFC Bank Credit Card does not offer complimentary airport lounge access, either domestic or international. This is consistent with its positioning as an entry-level cashback card focused on food and online shopping rewards.
If you require lounge access, consider pairing this card with a travel-focused credit card from HDFC Bank such as the Regalia or Millennia, which offer domestic lounge access benefits.
The Swiggy HDFC Bank Credit Card operates on a straightforward cashback model where earned cashback is automatically credited as a statement credit.
| Spend Category | Cashback Rate | Monthly Cap |
|---|---|---|
| Swiggy App (Food, Instamart, Dineout, Genie) | 10% | Rs 1,500 |
| Online Spends (Apparels, Electronics, Entertainment, Cabs, etc.) | 5% | Rs 1,500 |
| All Other Eligible Categories | 1% | Rs 500 |
| Fuel, Rent, Wallet, EMI, Jewellery, Government | 0% | N/A |
Cashback earned is automatically credited against the outstanding balance in your card statement in the billing cycle following the earning month. No manual redemption is required. There are no cashback redemption charges for the Swiggy HDFC Bank Credit Card.
| Fee/Charge | Amount |
|---|---|
| Joining Fee | Rs 500 + GST |
| Annual Renewal Fee | Rs 500 + GST (waived on Rs 2 lakh annual spend) |
| Add-on Card Fee | Free (Lifetime) |
| Late Payment Charges | Rs 900 + GST |
| Cash Advance Fee | 2.5% of amount or Rs 500, whichever is higher |
| Over Limit Charges | 2.5% of over-limit amount (min Rs 550) |
| Foreign Currency Markup | 3.5% + GST |
| Dynamic Currency Conversion | Additional 1% markup |
| Finance Charges | 3.75% per month (45% per annum) |
| Card Replacement | Rs 100 |
| Payment Return Charges | 2% of payment (min Rs 450) |
| Balance Transfer Fee | 1% of BT amount or Rs 250, whichever is higher |
| Duplicate Statement | Rs 10 per statement |
| Cash Processing Fee | Rs 100 |
| Railway Ticket Purchase Fee | 1% of transaction + GST |
| Rent Payment Fee | 1% of transaction (cap Rs 3,000) |
| EMI Processing Fee | Up to Rs 299 + GST |
Existing HDFC Bank credit card holders can apply for the Swiggy card as an additional card, provided they are part of the invite list. Contact HDFC Bank phone banking or apply via the Swiggy platform.
If you are an existing HDFC Bank credit card holder, you can apply for this card as an additional card by contacting the phone banking call center at 1800 202 6161 or through the Swiggy platform, provided you are on the invite list.
The Swiggy HDFC Bank Credit Card is an excellent choice for anyone who regularly uses the Swiggy platform for food delivery, grocery shopping via Instamart, or dining out. The 10% cashback on Swiggy spends is among the highest offered by any co-branded credit card in India, and the 5% cashback on popular online shopping platforms like Amazon, Flipkart, and Myntra adds significant value.
At just Rs 500 per year (easily waivable with Rs 2 lakh annual spend), this card offers a strong cashback proposition for everyday digital spenders. The Mastercard World tier benefits, including golf privileges and hotel discounts, are a welcome bonus at this price point.
However, this card is best used as a companion card rather than a primary card. It lacks airport lounge access, fuel surcharge waiver, and has a high forex markup of 3.5%, making it unsuitable for travel-heavy spenders. Pair it with a travel-focused card like the HDFC Regalia or HDFC Millennia for a well-rounded credit card portfolio.
Last updated: 31 January 2026
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