Swiggy HDFC Credit Card
Fees
₹500 + Taxes
Joining & annual
Reward Rate
10% cashback on Swiggy Food, Instamart & Dineout orders above ₹249 (effective 17 Apr 2026), capped ₹1,500/month; 5% cashback on Cleartrip flights & hotels, capped ₹1,500/billing cycle, plus 6% instant discount; 5% across 1,000+ other online platforms, capped ₹1,500/month; 1% on other retail
Welcome Bonus
Complimentary 3-month Swiggy One membership worth ₹1,199 on activation
Lounge
No Lounge Access
Our 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.
Reward limits
Checked 27 Sep 2026 · Bank terms
-
10% on Swiggy Food, Instamart and Dineout
Max ₹1,500 per billing cycle
Reached after about ₹15,000 of spend
-
5% on eligible online spends (apparel, electronics, pharmacy, cabs, entertainment, marketplaces)
Max ₹1,500 per billing cycle
Reached after about ₹30,000 of spend
-
1% on other spends
Max ₹500 per billing cycle
Reached after about ₹50,000 of spend
No rewards on: Fuel, rent, jewellery, government, gift cards, wallet, EMI, SmartBuy and SmartPay transactions
Where this card earns most
Paying directly in the app or site · 1% on other spends
Pros & Cons
Key Advantages
- 10% cashback on Swiggy Food, Instamart and Dineout orders above ₹249
- 5% cashback on Cleartrip flights & hotels (capped ₹1,500/cycle) plus 5% across 1,000+ other online platforms
- Cashback credited directly to your Swiggy Money wallet
Limitations
- Cashback is capped monthly per category, not unlimited
- No airport lounge access
Key Perks & Spending Milestones
10% cash back on Swiggy orders above ₹249 (Food, Instamart, Dineout), capped at ₹1,500 per month, effective 17 Apr 2026
5% cash back on Cleartrip flights & hotels (capped ₹1,500/billing cycle) plus an instant 6% discount, and 5% across 1,000+ other top e-commerce apps (capped ₹1,500/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
Spend milestone
Annual membership renewal fee waived for the subsequent year upon crossing ₹2 Lakhs in annual spends
Fees & Charges
Joining fee
₹500 + Taxes
Annual fee
₹500 + Taxes
Annual fee waived on ₹2 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹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
Credit score & income
Good (720+), Salaried minimum salary ₹25,000/month
Frequently Asked Questions
Did the Swiggy HDFC cashback rules change recently?
What's the cashback cap on Swiggy HDFC?
Does the Swiggy HDFC card offer lounge access?
Where does Swiggy HDFC cashback get credited?
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 Food, Instamart & Dineout orders above ₹249... | 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 |