10% cashback on Swiggy; 5% on online shopping
Data completeness: 100% · Last verified: 06 Jul 2026
All fees shown base + 18% GST (India card fees legally attract GST).
Speculation suggests the Swiggy HDFC card may reduce its base cashback to 5%, reserving the 10% rate for users with premium 'BLCK' memberships.
| Category | Type | Rate | Cap | Notes |
|---|---|---|---|---|
| groceries | points | 10.00%(40 pts @ ₹0.25) | — | 1.5% groceries (estimated) |
| travel | points | 5.00%(20 pts @ ₹0.25) | — | 2% travel (estimated) |
| dining | cashback | 10% | ₹1,500 / monthly | 10% on Swiggy |
| online_spends | cashback | 5% | ₹1,000 / monthly | 5% on other online |
| utilities | points | 1.00%(4 pts @ ₹0.25) | — | 1% utilities (estimated) |
| fuel | points | 1.00%(4 pts @ ₹0.25) | — | 1% fuel (estimated) |
| all_spends | points | 0.50%(2 pts @ ₹0.25) | — | Base earn rate |
| all_spends | cashback | 1% | — | 1% elsewhere |
| all_spends | points | 0.25%(1 pts @ ₹0.25) | — | — |
These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).
Complimentary 3-month Swiggy One membership on card activation within 30 days.
Complimentary Golf
₹5,0004 complimentary golf rounds per year (1 per month) plus 12 complimentary golf lessons annually; 50% off green fees on additional rounds (Mastercard variant)
yearly.