All cards / HDFC Bank
Swiggy HDFC Bank Card
The Swiggy HDFC Bank Card is purpose-built for people who order in constantly — 10% cashback on all Swiggy app spends (food delivery, Instamart, Dineout, genie) is among the highest food-delivery reward rates on any Indian card, backed by a solid 5% on other online shopping. At just ₹500 a year, waived on ₹2 lakh of annual spend, it's an easy add-on card rather than a primary one.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
10% reward rate (capped ₹1,500/monthly)
- 🛍️ Shopping
5% reward rate (capped ₹1,500/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Rewards redemption fee: No fee — cashback is auto-credited as statement credit
- Foreign currency markup: 3.5%
- Interest rate: 41.88% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal
Benefits
- Complimentary Swiggy One membership for 3 months on card activation, giving free delivery and extra discounts across Swiggy Food, Instamart and Dineout during the trial
Pros
- + 10% cashback across the entire Swiggy app — food delivery, Instamart groceries, Dineout and genie pickup/drop
- + 5% cashback on other online shopping, so the card stays useful even on non-Swiggy days
- + 3-month complimentary Swiggy One trial adds free delivery and extra discounts from day one
- + Cashback is auto-credited with no manual redemption or point conversion needed
- + Low ₹500 fee that's simple to waive with ₹2 lakh of yearly spend
Cons
- − Value collapses for anyone who doesn't order from Swiggy regularly
- − Dining and shopping caps of ₹1,500/month each limit upside for high spenders
- − Excludes fuel, rent, wallet loads, EMI and jewellery purchases from all reward earning
Related guides