Swiggy HDFC Bank Credit Card

Name: HDFC Bank Swiggy HDFC Bank Credit Card
Brand: HDFC Bank
Price: 590 INR
Rating: 6.37 (1 reviews)

Ranked #13 of 170 in credit

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HDFC-Swiggy co-branded cashback card offering strong 10% Swiggy cashback and 5% on other online platforms at low fee, though rewards are locked into Swiggy Money rather than flexible cash.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value62/100 · weight 71%

≈ 3.13% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.9% score bonus — earns broadly without narrow category restrictions.

No rewards on: rent. Reward score is scaled by ×(1 − 2.5%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.

Fee efficiency95/100 · weight 12%

Redemption flexibility92/100 · weight 9%

Perks9/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹500 + 18% GST
= ₹590 total
Annual fee: ₹500 + 18% GST
= ₹590 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 0
International (per year): 0

Reward structure

Category	Type	Rate	Cap	Notes
food_delivery	cashback	10%	₹1,500 / monthly	10% on Swiggy Food/Instamart/Dineout/Genie, min txn Rs 249 (from April 2026), capped Rs 1,500/cycle, paid as Swiggy Money
dining	cashback	10%	₹1,500 / monthly	10% on Swiggy
online_shopping	cashback	5%	₹1,500 / monthly	5% on Amazon, Flipkart, Myntra and other online partners
online_spends	cashback	5%	₹1,000 / monthly	5% on other online
all_spends	cashback	1%	—	1% elsewhere

No rewards on

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).

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Welcome offer

Complimentary 3-month Swiggy One membership (worth ~Rs 1,199) on card activation

Milestone benefits

Pros

10% cashback on all Swiggy platforms (Food, Instamart, Dineout, Genie), capped Rs 1,500/cycle
5% on other online spends (Amazon, Flipkart, Myntra etc.), capped Rs 1,500/cycle
5% on Cleartrip bookings (added 2026)
free 3-month Swiggy One
golf perks via Mastercard World

Cons

IMPORTANT April 17, 2026 update: minimum transaction raised to Rs 249 (from Rs 100) to earn the 10% Swiggy cashback
cashback locked as Swiggy Money (not statement credit/cash), expires in 1 year
no lounge access
no fuel surcharge waiver
card being phased toward newer BLCK/ORNGE variants though HDFC confirmed it will continue

What's inside

More benefits

Complimentary Golf
₹5,000
4 complimentary golf rounds per year (1 per month) plus 12 complimentary golf lessons annually; 50% off green fees on additional rounds (Mastercard variant)
yearly.
Complimentary Swiggy One membership
₹1,199
Complimentary 3-month Swiggy One membership on card activation (extends existing membership by 3 months if already a member)
Cap ₹1,199 / one-time. On card activation

Insurance cover

text: ₹NaN

Eligibility

text: Existing HDFC cardholders can apply as additional card via invite; standard HDFC income criteria apply

Small print

Fuel surcharge:No fuel surcharge waiver on this card