Swiggy HDFC Bank Credit Card
HDFC Bank · Mastercard · Entry card
Can return 10% on eligible Swiggy food delivery and Instamart spending, subject to the monthly cap and ₹500 annual fee.
Frequent food delivery and quick-commerce grocery orderers.
Terms checked 14 Sept 2026
- Annual fee
- ₹500 + GST
- Joining fee
- ₹500 + GST
- Base reward rate
- 1%
- Forex markup
- Not published
Reward rates by spending category
Named merchant rates apply only to eligible purchases with that merchant. The category table uses conservative rates for other spending.
Named merchant rates
- Swiggy
- 10%
- Amazon
- 5%
- Flipkart
- 5%
- Myntra
- 5%
| Category | Recorded rate |
|---|---|
| Dining & delivery | 1% |
| Groceries & essentials | 1% |
| Online shopping | 1% |
| Subscriptions & streaming | 1% |
| Entertainment & movies | 1% |
| Beauty & wellness | 1% |
| Bills & utilities | 1% |
| Offline store shopping | 1% |
| Travel & hotels | 1% |
| International spending | 1% |
| Insurance premiums | 1% |
| Education & family | 1% |
| Healthcare & pharmacy | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- 10% Swiggy cashback: ₹1,500/statement cycle · 5% eligible online cashback: ₹1,500/statement cycle · 1% other eligible cashback: ₹500/statement cycle
- Annual fee waiver
- At ₹2,00,000 annual spending
- Monthly income requirement
- Approx. ₹15,000/month salaried · ₹50,000/month self-employed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 8 items
Eligible Swiggy cashback
Usage-based value10% cashback requires an eligible Swiggy transaction of at least ₹249.
Conditions: 10% cashback requires an eligible Swiggy transaction of at least ₹249.
Listed online merchant cashback
Usage-based value5% cashback requires an issuer-listed online merchant and a transaction of at least ₹100; MCC eligibility still controls.
Conditions: 5% cashback requires an issuer-listed online merchant and a transaction of at least ₹100; MCC eligibility still controls.
Listed online MCC cashback
Usage-based value5% cashback requires one of the MCCs listed in the current issuer terms, an online route and a transaction of at least ₹100.
Conditions: 5% cashback requires one of the MCCs listed in the current issuer terms, an online route and a transaction of at least ₹100.
Other eligible cashback
Usage-based value1% cashback applies to other eligible transactions of at least ₹100.
Conditions: 1% cashback applies to other eligible transactions of at least ₹100.
10% cashback on eligible Swiggy transactions of ₹249 or more, capped at ₹1,500 per billing cycle
Shown without a cash value5% cashback on the issuer-listed online MCCs and merchants, capped at ₹1,500 per billing cycle
Shown without a cash value1% cashback on other eligible transactions, capped at ₹500 per billing cycle
Shown without a cash valueCashback is credited to the card statement
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹500₹500 annual fee before applicable tax.
Joining fee
Cost ₹500₹500 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹500Annual fee may be waived after ₹2,00,000 of eligible annual spending.
Conditions: Reach ₹2,00,000 eligible annual spending
Welcome benefits · 1 item
3 months of Swiggy One
Shown without a cash valueComplimentary Swiggy One membership after activating the card.
Conditions: Activate the card within the bank-prescribed activation window · Claim through the Swiggy app
Foreign-currency charges · 1 item
Forex markup not established
Usage-based valueThe current product-specific source does not establish a forex rate; recommendations use a conservative cost allowance when international spend is entered.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Self-employed threshold is derived from the published annual ITR requirement of more than ₹6 lakh.
Other categories (12)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Card tiers
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Airport lounge access
Not offeredThe reviewed catalogue records no airport lounge allowance.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Movies and entertainment
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Travel privileges
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Dining
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Golf
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Insurance and protection
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Fuel benefits
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Memberships
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Concierge
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Other benefits
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗
What stands out
- ✓ 10% cashback on eligible Swiggy transactions of ₹249 or more, capped at ₹1,500 per billing cycle
- ✓ 5% cashback on the issuer-listed online MCCs and merchants, capped at ₹1,500 per billing cycle
- ✓ 1% cashback on other eligible transactions, capped at ₹500 per billing cycle
- ✓ Cashback is credited to the card statement
What to watch
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.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Government payments · Gift cards · Liquor · Jewellery · Smartpay · Smartbuy · Emi transactions · Cash advance · Foreign currency purchase · Fees and charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 14 Sept 2026 · Latest recorded change effective 21 Apr 2026