Swiggy HDFC Bank Credit Card
HDFC Bank · Cashback card · ₹500 annual fee
Fees & benefits
| Annual fee | ₹500 + GST — waived at ₹2,00,000/yr spend |
| Welcome benefit | ~₹1,199 value |
| Airport lounges | None |
| No rewards on | rent, utility, fuel, insurance, government, wallet, jewellery, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 10% Swiggy cashback | 10% | ₹1,500 | swiggy |
| 5% Cleartrip flight/hotel cashback | 5% | ₹1,500 | cleartrip |
| 5% online cashback | 5% | ₹1,500 | online |
| 1% other cashback | 1% | ₹500 | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Effective 17 Apr 2026: 10% cashback on Swiggy (Food/Instamart/Dineout) only on transactions ≥ ₹249, capped ₹1,500/month; minimum-transaction condition not modeled by the engine.
5% cashback on select online brands (Nykaa, BookMyShow, Ola, Myntra, Amazon, Uber, etc.) and 5% on Cleartrip flight/hotel, each capped ₹1,500/cycle; 1% on other spends.
New applicants are issued Swiggy BLCK/ORNGE variants; this entry models the original card held by existing users. Welcome: 3-month Swiggy One (₹1,199 value).
Verified 2026-07-13 against official issuer sources (agent verification pass; manual human review unavailable).
Quick answers
Is the Swiggy HDFC Bank Credit Card lifetime free?
No, the annual fee is ₹500 (plus GST), waived on spending ₹2,00,000 a year.
What is the highest reward rate on the Swiggy HDFC Bank Credit Card?
10% — 10% Swiggy cashback. Effective value depends on monthly caps; see the caveats on this page.
Does the Swiggy HDFC Bank Credit Card give airport lounge access?
No, the Swiggy HDFC Bank Credit Card does not include airport lounge access.
Where the Swiggy HDFC Bank Credit Card fits
Ranks in our: Travel credit cards in India (#1), Credit cards for online shopping (#1), First credit cards for beginners (#1), Cashback credit cards in India (#2), Credit cards for dining and food delivery (#2).
Compare it: Swiggy HDFC Bank Credit Card vs HSBC Live+ Credit Card · Swiggy HDFC Bank Credit Card vs CASHBACK SBI Card · Swiggy HDFC Bank Credit Card vs Axis Bank Atlas Credit Card · Swiggy HDFC Bank Credit Card vs American Express Membership Rewards Credit Card · Swiggy HDFC Bank Credit Card vs Airtel Axis Bank Credit Card · Swiggy HDFC Bank Credit Card vs Axis Bank ACE Credit Card.
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.