All cards / HDFC Bank
Swiggy HDFC Bank Card
The highest food-delivery cashback rate in this set, purpose-built for frequent Swiggy users. Excludes fuel, rent, wallet loads, EMI, and jewellery spend.
Rates and fees last verified 19 July 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Reward rates by category
- Dining10% (capped ₹1,500/monthly)
- Online shopping5% (capped ₹1,500/monthly)
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- Swiggy One membership for 3 months on activation
Pros
- + Very high cashback on Swiggy orders
- + Also rewards general online shopping
- + Swiggy One trial included
Cons
- − Value drops sharply for non-Swiggy users
- − Caps limit heavy spenders
Applying takes you to HDFC Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.