Swiggy HDFC Bank Credit Card
Frequent food delivery and quick-commerce grocery orderers.
Main trade-off
Minimum transaction values are ₹249 for the 10% Swiggy bucket and ₹100 for the 5% and 1% buckets. Merchant MCC and exclusion rules still apply.
Direct comparison
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| Feature | HDFC Bank Swiggy HDFC Bank Credit Card | Axis Bank Flipkart Axis Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | Axis Bank |
| Network | Mastercard | Visa |
| Annual fee | ₹500 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹3,50,000 annual spending |
| Base reward rate | 1% | 1% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | 10% Swiggy cashback: ₹1,500/statement cycle · 5% eligible online cashback: ₹1,500/statement cycle · 1% other eligible cashback: ₹500/statement cycle | Myntra cashback: ₹4,000/quarter · Flipkart cashback: ₹4,000/quarter · Cleartrip cashback: ₹4,000/quarter |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | Not published | 3.5% |
| Monthly income requirement | Approx. ₹15,000/month salaried · ₹50,000/month self-employed | Approx. ₹25,000/month |
| Terms verified | 14 Sept 2026 | 13 Sept 2026 |
| Best suited to | Frequent food delivery and quick-commerce grocery orderers. | Frequent Flipkart, Myntra, and Cleartrip shoppers. |
| Main trade-off | Minimum transaction values are ₹249 for the 10% Swiggy bucket and ₹100 for the 5% and 1% buckets. Merchant MCC and exclusion rules still apply. | The nil joining fee is a limited-period offer; the ₹500 renewal fee is waived only above ₹3.5 lakh annual eligible spend. Fuel and rent are excluded. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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