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Swiggy HDFC Bank

Swiggy HDFC Bank

HDFC Bank
|
Cashback Dining Lifestyle

Annual Fee

₹500

Rewards/₹100 ⓘ

₹1.00 - ₹5.33

Normalized to balance base rate with bonus categories

Interest Rate

42.00%

Credit Score

700+

Quick Details

Annual Fee
₹500 #113
Joining Fee
₹500 #112
Interest Rate
42.00% p.a. #108
Forex Markup
3.50% #75
Rewards/₹100
₹1.00 - ₹5.33 #14
Reward Type Cashback
Reward Currency Cashback
Min Credit Score
700+ #54
Min Monthly Income ₹NaN
Network MASTERCARD
Card Replacement Fee 100
Late Payment Fee
Cash Advance Fee 2.50% (min ₹500)
Card Replacement Fee ₹100
Fee Waiver on Spend ₹2,00,000/yr

Reward Structure

Partner

Swiggy App (Food, Instamart, Dineout, Genie)

₹10.00 /₹100
Cat

Online (Apparels, Electronics, Cabs, Entertainment)

₹5.00 /₹100
Base

All Spends

₹1.00 /₹100

Reward Calculator

₹
Allocate by Category 100%
Swiggy App (Food, Instamart, Dineout, Genie)
10.0 pts
50% ₹0
Online (Apparels, Electronics, Cabs, Entertainment)
5.0 pts
30% ₹0
Other Spends
1.0 pts
20% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

3-month Swiggy One membership on card activation

₹500

value

Insurance Coverage

Lost Card

₹0

Zero liability.

Fraud

₹0

Zero liability.

Lifestyle Perks

Golf

4 /year

4 complimentary golf rounds per year (1 per month max) via Mastercard World

Category Rankings

See how this card performs in different spending categories compared to other cards.

Dining #1 /15
10.0000 pts/₹100 Top 7%
Online #13 /19
5.0000 pts/₹100 Top 69%

Quick Analysis

Swiggy HDFC Bank Credit Card is perfect for frequent Swiggy users offering 10% cashback on food ordering and groceries. With low fees and easy eligibility, it is an excellent dining and lifestyle card.

Pros

  • 10% cashback on Swiggy App (Food, Instamart, Dineout, Genie)
  • 5% cashback on online spends (Apparels, Electronics, Cabs, Entertainment)
  • 1% cashback on other spends
  • Low joining fee of Rs 500
  • Fee waiver at Rs 2L annual spend
  • 3-month Swiggy One membership as welcome benefit
  • 4 complimentary golf rounds per year (Mastercard World)
  • Up to Rs 42,000 annual savings potential
  • Low income requirement (Rs 15K/month)
  • Contactless payments enabled

Cons

  • No airport lounge access
  • Cashback caps: Rs 1,500/cycle on Swiggy, Rs 1,500/cycle online, Rs 500/cycle others
  • No rewards on fuel, rent, EMI, wallet, jewelry, govt transactions
  • No rewards on Swiggy Money, Swiggy Minis, Swiggy Liquor
  • Higher forex markup of 3.5%
  • Minimum Rs 100 transaction required for cashback

Best For

Swiggy power users, food delivery enthusiasts, online shoppers

Not Ideal For

Travelers, fuel spenders, premium card seekers

Frequently Asked Questions

What are the fees for Swiggy HDFC Bank Credit Card?
The Swiggy HDFC Bank Credit Card has a joining fee of Rs 500 and annual fee of Rs 500. The annual fee can be waived on spending Rs 200,000 in the previous year.
What is the eligibility criteria for Swiggy HDFC Bank Credit Card?
To be eligible for the Swiggy HDFC Bank Credit Card, you need a minimum monthly income of up to Rs 20,000/month, age between 21-60 years, and a credit score of 700+. HDFC Bank customers with existing relationships may get preferential treatment.
What rewards does Swiggy HDFC Bank Credit Card offer?
The Swiggy HDFC Bank Credit Card offers cashback rewards on your spending. The exact cashback percentage varies by category. Check the card benefits section for detailed cashback rates on different spending categories.
Does Swiggy HDFC Bank Credit Card offer airport lounge access?
The Swiggy HDFC Bank Credit Card may provide limited or no complimentary lounge access. Please check with HDFC Bank for the latest lounge access benefits.
How can I apply for Swiggy HDFC Bank Credit Card?
You can apply for the Swiggy HDFC Bank Credit Card through HDFC Bank official website, mobile app, or by visiting your nearest HDFC Bank branch. Existing customers can also apply through net banking.

User Reviews

Our Rating

3.9
APPLY NOW

on HDFC Bank's website

Rating Breakdown

Rewards
5.0/5 Top 11%
Benefits
3.2/5 Top 76%
Fees
3.6/5 Top 48%
Value for Money
3.8/5 Top 21%
User Reviews
3.0/5 Top 50%

Important Links

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