Housing Development Finance Corporation

Swiggy HDFC Credit Card

Cashback

Dining

Golf

MyBankingTips Rating

Joining Fee: ₹500* Plus Applicable Taxes

Renewal Fee: ₹500*Plus Applicable Taxes

Cashback

Dining

Golf

MyBankingTips Rating

Joining Fee: ₹500* + Tax

Renewal Fee: ₹500* + Tax

Cashback

5% cashback on everyday spends

Dining

10% cashback on spends at Swiggy

Golf

Complimentary golf rounds & lessons

Welcome benefits:- Complimentary 3 months Swiggy One membership on card activation.

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About Swiggy HDFC Credit Card

The Swiggy HDFC Bank Credit Card is ideal for frequent Swiggy users, offering 10% cashback across Swiggy platforms, including food delivery, Instamart, Dine Out, and Genie. Additionally, it provides 5% cashback on other online platforms and 1% cashback on offline purchases. With an annual fee of ₹500, this card delivers excellent value for regular users.

For consumers who spend significantly on Swiggy each month—such as on Instamart groceries or multiple food deliveries—the cashback easily offsets the annual fee. For example, spending ₹15,000 per month on Swiggy platforms can yield an annual cashback of ₹18,000, credited directly to the card statement. Even for those who aren’t heavy Swiggy users, the card still offers 5% cashback on online spends and 1% on offline purchases.

Swiggy HDFC Credit Card Rewards Program

Cashback Earning:

Earn 10% cashback (capped at ₹1,500 per month) on Swiggy transactions, including food delivery, Instamart, Dineout, and Genie.
Get 5% cashback on online spends across various categories (capped at ₹1,500 per month).
Earn 1% cashback on all other spends, including offline transactions (capped at ₹500 per month).

Other Features and Benefits

Activation

Complimentary 3-month Swiggy One membership on card activation

Discounts:

Enjoy 6% discount on domestic and international flight bookings and intercity bus tickets via Paytm Travel.

Renewal Fee Waiver

Annual fee waived on yearly spends of Rs. 2 lakh (excluding cash withdrawals, balance transfers, and Cash on Call)

Golf Benefits

4 complimentary green fee rounds and 12 free golf lessons; 50% off on additional green fees for Mastercard users

Zero Lost Card Liability

No liability on fraudulent transactions if the lost card is reported immediately

Fees and Charges

Fee Type

Amount

Joining Fee

Rs. 500 + Taxes

Annual Fee

Rs. 500 + Taxes

Finance Charges

3.75% p.m. | 45% p.a.

Late Payment Charges

For Statement Balance:
Up to Rs. 100	Nil
Rs. 101 to Rs. 500	Rs. 100
Rs. 501 to Rs. 1,000	Rs. 500
Rs. 1,001 to Rs. 5,000	Rs. 600
Rs. 5,001 to Rs. 10,000	Rs. 750
Rs. 10,001 to Rs. 25,000	Rs. 900
Rs. 25,001 to Rs. 50,000	Rs. 1,100
More than Rs. 50,000	Rs. 1,300

Things to Know Before you apply

Get this card if:

You prefer earning direct cashback instead of reward points
You want a low-fee, entry-level credit card
You frequently order food, groceries, or dine out and can maximize the accelerated cashback
You shop online often and can take advantage of higher cashback on online spends

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For Swiggy HDFC Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Swiggy HDFC Credit Card Hilights

What do we like about this card?

10% Cashback on Swiggy: Food, Instamart, Dineout, and Genie (monthly cap ₹1,500).
5% Cashback on Online Spends: Across select online categories (monthly cap ₹1,500).
1% Cashback on Other Purchases: Including offline spends (monthly cap ₹500).
Complimentary Swiggy One: 3-month membership on activation.
Travel Discount: 6% off on flights and intercity bus bookings via Paytm Travel.
Golf Benefits (Mastercard): 4 complimentary green fees + 12 lessons per year; 50% off extra rounds.
Annual Fee Waiver: Spend ₹2 lakh/year to waive fee (excludes cash, balance transfers).
Zero Lost Card Liability: Report lost card to avoid fraudulent charges.

Pros

10% cashback across all Swiggy platforms, including food ordering, Instamart, Dineout, and Genie
5% cashback on other online spends across various categories
Complimentary 3-month Swiggy One membership
Complimentary golf rounds and lessons with the Mastercard variant

Cons

Maximum cashback capped at Rs. 3,500 across all categories
No complimentary lounge access
No cashback on select Swiggy spends like Swiggy Money Wallet, Swiggy Minis, and Swiggy Liquor

HDFC Bank Credit Card Contact Details

HDFC Card offers multiple ways to get assistance for your credit card queries and services.

Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
Helpline: You can contact us at 1800 1600 / 1800 2600.
Simply SMS: - SMS “CCHELP” to 5676712

Frequently Asked Questions

Everything you need to know about this credit card

The card has an annual fee of ₹500, which can be waived on annual spends of ₹2 lakh (excludes cash, balance transfer, and Cash on Call transactions).

10% cashback on Swiggy platforms (food, Instamart, Dineout, Genie), capped at ₹1,500/month.
5% cashback on select online spends, capped at ₹1,500/month.
1% cashback on all other spends, capped at ₹500/month.

Yes, you get a complimentary 3-month Swiggy One membership on card activation.

Yes, Mastercard holders get 4 complimentary golf green fees and 12 lessons per year, with 50% off on additional rounds.

Yes, the card offers zero liability on fraudulent transactions if the lost card is reported immediately.

Yes, you get a 6% discount on domestic & international flights and intercity bus bookings via Paytm Travel.