Swiggy HDFC Credit Card on Online shopping
Yes. The Swiggy HDFC Credit Card gives 5% back when you pay on Online shopping directly, compared with 1% on its other spends.
On Online shopping
5%
Other spends
1%
Rank for Online shopping
#5 of 149
Annual fee
₹500 + Taxes
What to know before you pay on Online shopping
Cap on Online shopping
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 Online shopping
-
#1
Axis Bank Cashback Credit Card
Axis Bank · 1st Year Fee: ₹1,000* Plus Applicable Taxes · Max ₹4,000 a month
5%
Apply now -
#2
Cashback SBI Credit Card
SBI Card · ₹999 + Taxes · Max ₹2,000 per statement cycle
5%
Apply now -
#3
BOBCARD Cashback Credit Card
Bank of Baroda · ₹499 + Taxes a year, or ₹49 a month · Max ₹1,875 per statement cycle
5%
Apply now
Where else the Swiggy HDFC Credit Card earns more
Questions
Does the Swiggy HDFC Credit Card give rewards on Online shopping?
Yes. The Swiggy HDFC Credit Card gives 5% back when you pay on Online shopping 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 Online shopping?
Axis Bank Cashback Credit Card is the best pick for regular spending on Online shopping, with 5% back. The Swiggy HDFC Credit Card ranks #5 of 149 cards we compared, by what each returns after caps.