Swiggy HDFC Credit Card
Fees
₹500 + Taxes
Joining & AnnualReward Rate
10% cashback on Swiggy app; 5% on online shopping across 1000+ top apps; 1% on other retail
Welcome Bonus
Complimentary 3-month Swiggy One membership worth ₹1,199 on activation
Lounge Access
No Lounge Access
FindMyCard Expert Take
Swiggy HDFC is an easy recommendation for regular Swiggy users: 10% cashback across Food, Instamart, Dineout and Genie, plus a free 3-month Swiggy One membership on activation. The 5% rate on 1,000+ other online platforms makes it useful beyond just Swiggy too.
Pros & Cons
Key Advantages
- 10% cashback on Swiggy Food, Instamart, Dineout and Genie
- 5% cashback across 1,000+ other online platforms including Amazon, Myntra and Nykaa
- Cashback credited directly to your Swiggy Money wallet
Limitations
- Cashback is capped monthly per category, not unlimited
- No airport lounge access
Editorial Verdict
The Swiggy HDFC Credit Card is ideally suited for heavy swiggy food, grocery, instamart users & e-commerce shoppers. If you want 10% cashback on swiggy app; 5% on online shopping across 1000+ top apps; 1% on other retail, this card delivers real value. The ₹500 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (720+), Salaried minimum salary ₹25,000/month credit to be approved.
Key Perks & Spending Milestones
Flat 10% cash back on all spending categories inside the Swiggy application (capped at ₹1,500 per month)
Flat 5% cash back across 1,000+ top e-commerce applications and websites (capped at ₹1,500 per month)
Flat 1% cash back on all other standard domestic offline terminal sweeps and retail online line items
Complimentary 3-month Swiggy One membership unlocking free deliveries and dine-out deals
1% fuel surcharge waiver valid across all fuel pumps for bills ranging between ₹400 and ₹5,000
🚀 Milestone Spends Timeline
Annual membership renewal fee waived for the subsequent year upon crossing ₹2 Lakhs in annual spends
Fees & Charging Rates
Annual Fee Waivers
₹500 + Taxes
💡 Annual fee waived on ₹2 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 years and above
Compare Swiggy HDFC Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Swiggy HDFC Credit Card This Card | ₹500 + Taxes | 10% cashback on Swiggy app; 5% on online shopping across 1000+ top... | No Lounge Access | 4.4/5 |
| YES Bank POP CLUB Credit Card | Free | 10 POPcoins per ₹100 online spends; 2 POPcoins per ₹100 offline... | No Lounge Access | 4.8/5 |
| RBL Bank ShopRite Credit Card | Free | 20 Reward Points per ₹100 spent on groceries (~5% return); 1... | No Lounge Access | 4.6/5 |
| Flipkart Axis Bank Credit Card | ₹500 + Taxes | 7.5% cashback on Myntra (capped ₹4,000/quarter); 5% on Flipkart &... | No Lounge Access (Discontinued Jun 2025) | 4.5/5 |