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.
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