Swiggy HDFC Bank Credit Card

The Swiggy HDFC Bank Credit Card is a co-branded credit card designed for frequent Swiggy app users and online shoppers. It offers accelerated cashback rewards on Swiggy app transactions as well as on a broad range of online spends, making it appealing for digital lifestyle and food delivery enthusiasts. With a simple fee structure and welcome perk, this card combines everyday cashback savings with flexible banking features such as contactless payments and interest-free credit periods.

Swiggy HDFC Bank Credit Card

Joining Fees	₹500 + Applicable Taxes
Annual Fees	₹500 + Applicable Taxes
Card Type	Cashback, Rewards
Network Type	Rupay

Rewards & Benifits

10% cashback on Swiggy app spends (orders, Instamart, Dineout & Genie).
5% cashback on online spends across eligible apps and sites.
1% cashback on all other eligible categories.
Contactless payment enabled.

Fees & Charges

Joining fee of ₹500 + applicable taxes.
Annual fee of ₹500 + applicable taxes.
Annual fee waiver on spending ₹2,00,000+ in a year.
Cashback credited as statement credit (post June 21, 2024).

Card Details

Cashback earned is credited as statement credit.
Up to 50 days of interest-free credit from purchase date.
Smart EMI conversion option after purchase.
Zero liability protection on reported fraudulent transactions.

Pros & Cons

High cashback rate on Swiggy app spends.
Cashback on wide online spends (5%).
Welcome Swiggy One Membership for 3 months.
Annual fee waiver on high spends.

No specified network type on the official page.
Cashback caps apply per billing cycle.
Not ideal for offline spenders.
Annual fees applicable if spend criteria not met.

ELIGIBILITY CRITERIA
• For Salaried Applicants: Indian nationality, age 21–60, monthly income > ₹15,000.
• For Self-Employed Applicants: Indian nationality, age 21–65, ITR > ₹6,00,000 per annum.
• Other common documentation requirements (identity, address, income proof) are mentioned on the official page.

————————————
WELCOME BENEFITS
Complimentary 3 months Swiggy One Membership on card activation.

————————————
CARD REVIEW
The Swiggy HDFC Bank Credit Card is best suited for regular Swiggy users and frequent online shoppers who want meaningful cashback rewards. Its strong reward structure — including 10% cashback on Swiggy and additional rewards on other online categories — delivers clear value when usage aligns with the cashback caps. The complimentary Swiggy One membership enhances everyday savings for food delivery and quick commerce needs. However, the annual fee applies unless substantial yearly spends are met, and it offers limited incentives for offline spending. All told, it’s a solid choice for digital spenders looking to maximize everyday cashback with practical banking features.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

Swiggy HDFC Bank Credit Card