Swiggy HDFC Credit Card on Dining out
Yes. The Swiggy HDFC Credit Card gives 10% back when you pay on Dining out directly, compared with 1% on its other spends.
On Dining out
10%
Other spends
1%
Rank for Dining out
#1 of 149
Annual fee
₹500 + Taxes
What to know before you pay on Dining out
Cap on Dining out
Max ₹1,500 per statement cycle
How it works
5% is by online MCC (apparel, electronics, department/discount stores, entertainment, pharmacy, local cabs) and only for merchants the bank has mapped. Amazon, Flipkart, Meesho, AJIO, Ola, Uber and Cleartrip are named in the T&C; Tata CLiQ, Myntra, Nykaa, 1mg, Apollo and Croma depend on MCC mapping. Zomato, Blinkit, Zepto, travel sites and telecom earn 1%. Dining out earns 10% only when you pay through Swiggy Dineout.
Caps & rules
- 10% on Swiggy (Food, Instamart, Dineout) capped at ₹1,500 per billing cycle.
- 5% on eligible online categories capped at ₹1,500 per cycle.
- 1% capped at ₹500 per cycle.
- Being migrated to Swiggy Ornge / BLCK variants.
Reward limits
- 10% on Swiggy Food, Instamart and Dineout: max ₹1,500 per billing cycle
- 5% on eligible online spends (apparel, electronics, pharmacy, cabs, entertainment, marketplaces): max ₹1,500 per billing cycle
- 1% on other spends: max ₹500 per billing cycle
No rewards on
Fuel, rent, jewellery, government, gift cards, wallet, EMI, SmartBuy and SmartPay transactions
Checked 2026-09-27 · Bank terms
Other good cards for Dining out
-
#2
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month
10%
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#3
HDFC Diners Club Black
HDFC Bank · ₹10,000 + Taxes · Max ₹2,000 a month
6.67%
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#4
Kotak Cashback+ Credit Card
Kotak Bank · ₹750 + Taxes · Max ₹750 per statement cycle
5%
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Where else the Swiggy HDFC Credit Card earns more
Questions
Does the Swiggy HDFC Credit Card give rewards on Dining out?
Yes. The Swiggy HDFC Credit Card gives 10% back when you pay on Dining out directly, compared with 1% on its other spends.
Is there a limit on Swiggy HDFC Credit Card rewards?
10% on Swiggy (Food, Instamart, Dineout) capped at ₹1,500 per billing cycle. 5% on eligible online categories capped at ₹1,500 per cycle. 1% capped at ₹500 per cycle. Being migrated to Swiggy Ornge / BLCK variants.
Which credit card is best for Dining out?
Swiggy HDFC Credit Card ranks #1 of 149 cards we compared for Dining out, by what it returns on regular spending there after caps.