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Swiggy HDFC Bank Credit Card

HDFC Bank

Swiggy HDFC Bank Credit Card — card image from the issuer's official page

Annual / renewal fee

  • ₹500 + applicable taxes (levied within 120 days).
  • Renewal fee ₹500 from second year onwards.

VerifiedSwiggy HDFC Bank Credit Card FAQs / Program Terms30 Jul 2026, 5:10 PM ISTHDFC Bank

Earn rate

  • 10% cashback on Swiggy App (Food Delivery, Instamart, Dineout, Genie) capped ₹1500/billing cycle.
  • 5% cashback on online shopping (specified categories) capped ₹1500/billing cycle.
  • 1% cashback on other categories capped ₹500/billing cycle.
  • Min transaction ₹249 for 10% (w.e.f 21st April 2026), ₹100 for 5% and 1%.

Verifiedharvested from product page30 Jul 2026, 5:10 PM ISTHDFC Bank

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Source-traced to issuer Verified 2026-08-15
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You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.

Overview

Swiggy HDFC Bank Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹500 + applicable taxes.

VerifiedSwiggy HDFC Bank Credit Card product page30 Jul 2026, 5:10 PM ISTHDFC Bank

Annual / renewal fee

  • ₹500 + applicable taxes (levied within 120 days).
  • Renewal fee ₹500 from second year onwards.

VerifiedSwiggy HDFC Bank Credit Card FAQs / Program Terms30 Jul 2026, 5:10 PM ISTHDFC Bank

Fee waiver

  • Renewal fee from second year onwards waived on spends of ₹2 lakh and above per annum using the Swiggy HDFC Bank Credit Card.
  • Exclusions: Cash on Call, Balance Transfer, Cash Withdrawal.

VerifiedSwiggy HDFC Bank Credit Card FAQs / Program Terms30 Jul 2026, 5:10 PM ISTHDFC Bank

Renewal fee

₹500 + applicable taxes, charged from second year onwards.

VerifiedSwiggy HDFC Bank Credit Card FAQs / Program Terms30 Jul 2026, 5:10 PM ISTHDFC Bank

Rewards

  • 10% cashback on Swiggy App (Food Delivery, Instamart, Dineout, Genie) capped ₹1500/billing cycle.
  • 5% cashback on online shopping (specified categories) capped ₹1500/billing cycle.
  • 1% cashback on other categories capped ₹500/billing cycle.
  • Min transaction ₹249 for 10% (w.e.f 21st April 2026), ₹100 for 5% and 1%.

Verifiedharvested from product page30 Jul 2026, 5:10 PM IST

Redemption value

  • Cashback earned (for statements post 21 June 2024) is auto-redeemed against the outstanding balance in the subsequent statement.
  • Not adjusted against finance charges.
  • No minimum value required for auto redemption.
  • Rewards Redemption Fee of ₹99 and Cashback Redemption Charges of ₹50 are NOT applicable/excluded for Swiggy HDFC Credit Card.
  • Swiggy Money (earned prior to 21 June 2024) expires 1 year after earning.

VerifiedSwiggy HDFC Bank Credit Card FAQs / Program Terms30 Jul 2026, 5:10 PM ISTHDFC Bank

Reward cap

  • 10% cashback capped at ₹1500 per billing cycle.
  • 5% cashback capped at ₹1500 per billing cycle.
  • 1% cashback capped at ₹500 per billing cycle.
  • Maximum cashback per statement cycle: ₹3500.

VerifiedMost Important Terms & Conditions (MITC) cum Key Fact Statement - English (covers Swiggy HDFC Bank Credit Card)30 Jul 2026, 5:10 PM ISTHDFC Bank

Reward exclusion

Prepaid Card/Gift Card/WalletRentGovernment related transactionsFuelJewellerySmartpaySmartbuy portalEMI (all types)Cash advancesPurchase of travellers' chequesPurchase of foreign currency and feesand any other categories decided from time to time

Verifiedharvested from product page30 Jul 2026, 5:10 PM ISTHDFC Bank

Travel & lounge

Lounge access

Confirm on the official page

Official source not yet captured

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

  • Complimentary Swiggy One Membership for 3 months on card activation (existing Swiggy One members get 3-month extension).
  • Card must be activated within 37 days of card issuance.
  • Customer must claim 'Swiggy One' on Swiggy app post activation.

Verifiedharvested from product page30 Jul 2026, 5:10 PM ISTHDFC Bank

Dining benefit

  • Additional 10% discount on Swiggy Dineout up to ₹500 on minimum order value of ₹3000 during Birthday Week (7 days: 3 days prior and 3 days after birthday), over and above 10% cashback.
  • Applicable once per cardholder, only after 30 days post card activation.
  • Coupon SWIGGYCARDBDAY.

Verifiedharvested from product page30 Jul 2026, 5:10 PM ISTHDFC Bank

Insurance

Zero lost card liability (available on fraudulent transactions if reported immediately to HDFC Bank's 24-hour Call Centre) and emergency card replacement.

VerifiedSwiggy HDFC Bank Credit Card FAQs / Program Terms30 Jul 2026, 5:10 PM ISTHDFC Bank

Milestone benefit

Birthday Week offer: Additional 10% discount on Swiggy Dineout up to ₹500 on minimum order value of ₹3000 (over and above 10% cashback), valid 7 days (3 days before and 3 days after birthday), once per cardholder, eligible only 30 days after card activation (coupon SWIGGYCARDBDAY).

Verifiedharvested from product page30 Jul 2026, 5:10 PM ISTHDFC Bank

Statement credit

  • For statements generated post 21 June 2024, cashback earned is credited against outstanding balance in card statement (auto-redeemed against subsequent cycle's outstanding).
  • Cashback is not adjusted against finance charges.
  • Minimum transaction of ₹249 to earn 10% cashback (w.e.f 21 April 2026) and ₹100 to earn 5% and 1% cashback.

VerifiedMost Important Terms & Conditions (MITC) cum Key Fact Statement - English (covers Swiggy HDFC Bank Credit Card)30 Jul 2026, 5:10 PM ISTHDFC Bank

Eligibility

Eligibility

  • Available on invite-only basis.
  • Can also apply from Swiggy app (Account Section).
  • Existing HDFC Bank credit cardholders can apply.
  • Credit limit will be shared/distributed between cards held (Floater Card).
  • Issued only under Mastercard World platform.
  • Card variants issued based on income criteria, credit profile and location.

Verifiedharvested from product page30 Jul 2026, 5:10 PM ISTHDFC Bank

Charges & interest

Forex markup

3.5% foreign currency transaction markup (% of transaction value).

VerifiedMost Important Terms & Conditions (MITC) cum Key Fact Statement - English (covers Swiggy HDFC Bank Credit Card)30 Jul 2026, 5:10 PM ISTHDFC Bank

Fuel surcharge waiver

1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000, maximum waiver of ₹250 per statement cycle (GST on fuel surcharge not reversed).

VerifiedMost Important Terms & Conditions (MITC) cum Key Fact Statement - English (covers Swiggy HDFC Bank Credit Card)30 Jul 2026, 5:10 PM ISTHDFC Bank

Interest-free period

Up to 50 days interest-free period for all purchases.

VerifiedSwiggy HDFC Bank Credit Card FAQs / Program Terms30 Jul 2026, 5:10 PM ISTHDFC Bank

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the Swiggy HDFC Bank Credit Card?

Officially traced: Rs. 500 + applicable taxes (levied within 120 days).

Swiggy HDFC Bank Credit Card FAQs / Program Terms

What is the joining fee on the Swiggy HDFC Bank Credit Card?

Officially traced: Rs. 500 + applicable taxes.

Swiggy HDFC Bank Credit Card product page

Is the Swiggy HDFC Bank Credit Card annual fee ever waived?

Renewal fee from second year onwards waived on spends of Rs. 2 lakh and above per annum using the Swiggy HDFC Bank Credit Card.

Swiggy HDFC Bank Credit Card FAQs / Program Terms

How does the Swiggy HDFC Bank Credit Card earn rewards?

10% cashback on Swiggy App (Food Delivery, Instamart, Dineout, Genie) capped Rs. 1500/billing cycle; 5% cashback on online shopping (specified categories) capped Rs. 1500/billing cycle; 1% cashback on other categories capped.

harvested from product page

What welcome benefit does the Swiggy HDFC Bank Credit Card offer?

Complimentary Swiggy One Membership for 3 months on card activation (existing Swiggy One members get 3-month extension).

harvested from product page

What are the transfer ratios for Swiggy HDFC Bank Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageSwiggy HDFC Bank Credit Card FAQs / Program Termsharvested from product pageMost Important Terms & Conditions (MITC) cum Key Fact Statement - English (covers Swiggy HDFC Bank Credit Card)Swiggy HDFC Bank Credit Card (fleet document) — governing document (side-door search)

Official terms

https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.

VerifiedSwiggy HDFC Bank Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:07 AM ISTHDFC Bank

Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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