Joining Fee: ₹500* Plus Applicable Taxes
Renewal Fee: ₹500*Plus Applicable Taxes
Joining Fee: ₹500* + Tax
Renewal Fee: ₹500* + Tax
Earn 5% cashback on everyday spends.
Get 10% cashback on spends at Swiggy.
Enjoy complimentary golf rounds and lessons.
Author: MybankingTips Team
Welcome benefits:- Complimentary 3 months Swiggy One membership on card activation.
Check your eligibility For This Card
By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms & Conditions & Privacy Policy
The Swiggy HDFC Bank Credit Card is a co-branded credit card offered by HDFC Bank and Swiggy. It delivers a flat 10% cashback on all Swiggy app spends — food orders, Instamart, and Dineout — plus 5% on a wide range of popular online brands, making it a powerful everyday cashback card for digital-first consumers at an accessible annual fee of just ₹500.
Designed for frequent Swiggy users, this card rewards your everyday digital lifestyle with the highest cashback rate in the Swiggy card lineup. Whether you're ordering food, groceries via Instamart, or dining out through Dineout, the Swiggy HDFC Card ensures every rupee spent works harder for you.
One of its biggest differentiators at the ₹500 price point is the complimentary 3-month Swiggy One membership on card activation. Cashback is credited automatically as a statement credit — no complex redemptions. The annual fee is easily waived by spending just ₹2 lakh in a year.
Who is this card for? The Swiggy HDFC Bank Credit Card is perfect for regular Swiggy users, everyday online shoppers, and anyone wanting a low-fee cashback card that rewards their digital lifestyle. If you spend ₹5,000+ per month on Swiggy and online shopping, this card pays for itself many times over.
The Swiggy HDFC Bank Credit Card uses a simple, three-tier cashback structure — no reward points, no complex redemptions. Cashback is credited directly to your card account as a statement credit:
On Swiggy App
Food orders, Instamart & Dineout. Min. transaction ₹100. Capped at ₹1,500/month.
Online Spends
Amazon, Flipkart, Myntra, Netflix, Uber & 50+ more brands. Min. ₹100. Capped at ₹2,500/month.
All Other Spends
On all other eligible transactions. Min. ₹100. Capped at ₹1,500/month.
The following major brands and categories qualify for the 5% cashback rate:
Excluded Categories: Fuel, rent, wallet loads, gaming, jewellery purchases, gift cards, education payments via third-party apps, government transactions, SmartBuy portal, and cash advances do not earn cashback.
Get a complimentary 3-month Swiggy One membership on card activation. Enjoy unlimited free delivery, exclusive restaurant discounts, and priority Instamart delivery across Swiggy.
Celebrate in style — get an additional 10% off (up to ₹500) on Swiggy Dineout orders during your birthday week on a minimum spend of ₹3,000.
Enjoy complimentary golf coaching lessons annually at leading golf courses through Visa Signature benefits — an exclusive perk rarely seen at this price point.
Get free green-fee rounds every calendar year at select premium golf courses. Beyond the complimentary quota, enjoy discounted green fees on additional sessions.
Earn 5% cashback on Cleartrip bookings plus exclusive additional offers on flights and hotels — making it a powerful card for domestic travellers.
Earn 5% cashback on all Nykaa purchases, plus special partner discounts on select beauty and personal care categories through the Swiggy HDFC partnership.
Tap-and-go contactless payments at retail outlets for transactions up to ₹5,000 without entering a PIN. Fast, secure, and hygienic.
Save 1% on fuel surcharge at petrol stations across India. Waived on transactions between ₹400 and ₹1,00,000 per statement cycle.
Report your lost or stolen card to HDFC's 24-hour helpline and face zero liability on any fraudulent transactions made after reporting.
Enjoy up to 50 interest-free days on purchases from the date of transaction. Manage your cash flow smartly with this card.
Smart Tip: The 3-month Swiggy One membership provides instant value upon activation. Paired with the 10% cashback on every Swiggy order, the card effectively pays for itself within the first month for regular Swiggy users.
Apply online in minutes — free eligibility check, zero CIBIL impact, and instant cashback from your very first Swiggy order.
Fee Waiver Made Easy: Spend just ₹2,00,000 in the preceding year (roughly ₹16,700/month) to get the ₹500 renewal fee waived entirely. Active Swiggy users and online shoppers typically hit this milestone well within the year.
The Swiggy HDFC Bank Credit Card can be applied for directly online. Here are the standard eligibility requirements:
Minimum 21 years, Maximum 60 years at the time of application.
Minimum 21 years, Maximum 65 years at the time of application.
Minimum monthly income of ₹25,000 (₹3 lakh+ per annum). Latest salary slips required.
Annual ITR of ₹6 lakh or above in the most recent filing year.
A CIBIL score of 700+ is recommended. Existing HDFC customers with good repayment history have better approval chances.
Indian Resident. Available to both salaried employees and self-employed professionals/business owners.
Applying for the Swiggy HDFC Bank Credit Card is quick and fully online. Follow these steps:
Go to the HDFC Bank website and navigate to the Swiggy Credit Card page, or use the Apply Now button above to go directly.
Enter your personal information — name, mobile number, PAN, date of birth, email ID, and employment type. Existing HDFC customers can auto-fill details via net banking login.
Upload your identity proof, address proof, income documents (salary slips / ITR), and a recent photograph. All uploads are encrypted and secure.
HDFC Bank verifies your documents and runs a credit check. In-principle approval typically comes within minutes to a few hours for eligible applicants.
Your Swiggy HDFC Card is dispatched within 7–10 working days. Activate it via the HDFC MyCards app or by making your first transaction to unlock the Swiggy One membership.
* Data as of 2025. Benefits subject to change. Verify current T&Cs with respective issuers.
The joining fee for the Swiggy HDFC Bank Credit Card is ₹500 + GST. The annual renewal fee is also ₹500 + GST, which can be waived if you spend ₹2,00,000 or more in the preceding year.
Cashback is automatically credited to your card account as a statement credit, based on the cashback billing cycle and applicable terms. There is no manual redemption required — it directly reduces your outstanding bill. Cashback from the current month's spends is credited in the next billing cycle.
Yes. Spend ₹2,00,000 or more in the 12 months before your renewal date and the ₹500 annual renewal fee is completely waived for the next year. This works out to just ₹16,667 per month in card spending — very achievable for regular online shoppers and Swiggy users.
No. The Swiggy HDFC Bank Credit Card does not offer complimentary airport lounge access. This is a trade-off for the very low ₹500 annual fee and high cashback rates. If lounge access is important to you, consider HDFC Millennia or Regalia Gold cards instead.
The maximum total cashback you can earn per billing month is ₹5,500 — comprising ₹1,500 from the 10% Swiggy cashback category, ₹2,500 from the 5% online brands category, and ₹1,500 from the 1% other spends category. This makes it one of the highest-cap cashback cards in the ₹500 fee segment.
Absolutely. The card earns 5% cashback across a massive list of 50+ brands including Amazon, Flipkart, Myntra, Nykaa, Uber, Ola, Netflix, Hotstar, Cleartrip, BookMyShow, and many more. This makes it one of the best everyday online shopping cards available at the ₹500 fee level in India.
Yes. HDFC Bank generally allows customers to hold co-branded cards like the Swiggy HDFC Card alongside core HDFC credit cards such as Regalia Gold or Millennia. This makes it an excellent companion card to maximise cashback on Swiggy and online spending categories. Always confirm with HDFC directly for your specific profile.
ICICI Bank
SBI Bank
IndusInd Bank
Kotak Mahindra Bank
American Express Bank
Axis Bank
RBL Bank
Standard Chartered Bank
HDFC Bank
Bank of Baroda
Canara Bank
Yes Bank
Federal Bank
AU Bank
IDFC Bank
HSBC Bank
Equitas Small Finance Bank
