Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card


Joining Fee: Rs 500+GST
Annual Fee: Rs 500+GST


Co-Branded, Cashback


1% to 10%



Issued On




Table of Contents

The much awaited Swiggy HDFC Bank credit card is here! For foodies, this is a good option to get rewards on their dining spends. The USP of this card is the cashback offered for Swiggy spends. It will offer 10% cashback on Swiggy apps spends for food orders, Instamart and Dineout. This is not all. We also get 5% cashback on online spends like apparels, electronics etc. This is MCC based and will also work for Amazon and Flipkart spends. Here is a review of the new Swiggy HDFC Bank credit card and everything you need to know about it.

Fees and Charges

Joining FeeRs 500+GST
Welcome Gift3 months Swiggy One membership
Annual FeeRs 500+GST
Renewal BenefitNone
Annual Fee WaiverOn spends of Rs 2 Lakhs in a membership year
Swiggy HDFC Bank Credit Card Review: Fees and Charges

At Rs 500 annual fee, it would have been ideal if the card also offered the 3 months Swiggy One membership upon renewal.

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Swiggy HDFC Bank Credit Card Cashback

Spend CategoryCashbackMax Cap per billing cycle
Swiggy Spends

(Food Orders, Instamart, Dineout and Genie)
10%Rs 1500
Online Spends

(Apparels, Department Stores, Electronics, Entertainment, Home Decor, Medical Stores & Pharmacies, Personal Care, Local Cabs, Pet Stores & Supplies, Discount Stores)
5%Rs 1500
Other Spends1%Rs 500
Fuel, Rent, EMI, Wallet, Jewellery and Government Services0%NA
Swiggy HDFC Bank Credit Card: Cashback

These are very generous caps for the cashback and this makes the credit card quite compelling. The minimum transaction value for getting cashback on Swiggy HDFC Bank credit card is Rs 100.

The 5% cashback is MCC based but there is also a small footnote T&C. It states that the cashback is only for selected merchants but there is not merchant list anywhere. So, while Amazon and Flipkart would work other e-retailers may not.

Cashback Redemption

The cashback is credited as Swiggy Money. So, this is not actual statement credit. Swiggy Money can be used for food orders, Instamart and Dineout and Genie spends on the Swiggy app.

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Swiggy Money Cashback with the closest expiry date will be used up first so that you can get the maximum benefit. Swiggy Money will expire post 1 year of earning the cashback.

Complimentary Airport Lounge Access

There is no complimentary airport lounge access on the Swiggy HDFC Bank credit card. We are slowly seeing many entry level credit cards reducing or removing airport lounge access. So, this is not surprising.

Other Benefits and Charges

  • Fuel Surcharge Waiver: Swiggy HDFC Bank credit card does not offer a fuel surcharge waiver.
  • Foreign Currency Transaction Charges: 3.5%+GST
  • Finance Charges: 3.6% per month / 43.2% annually

Final Thoughts

The Swiggy credit card offers some great cashback all around. We can spend up to Rs 15000 on Swiggy to get Rs 1500 cashback. If you are a foodie who likes ordering in or dining out, then this is a good option.

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The Swiggy HDFC Bank credit card misses out on some key features like airport lounge access, fuel surcharge waiver. But, it may soon be the new normal for entry level credit cards.

Frequently Asked Questions

Swiggy HDFC Bank Credit Card

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