Complimentary Swiggy One Membership for 3 months as welcome benefit; the card must be activated within 37 days of card issuance to claim it
Rewards+−
Reward rate
1% cashback · everyday spendsSpends on Swiggy App (Food Delivery, Instamart and Dineout) 10% cashback; Spends on online shopping 5% cashback; Spends on other categories 1% cashback.
EMI spend earning
There is no cashback on EMI transactions.
Fuel earning
Cashback will not be accrued for Fuel.
Government spend earning
Cashback will not be accrued for Government related transactions.
Groceries earning
Grocery on the 5% eligible merchants and MCCs earns no cashback; Amazon and Flipkart transactions registered with MCC 5411 earn 5% cashback.
Online earning
5% CashBack on online spends across multiple apps and website.
Rent earning
Cashback will not be accrued for Rent.
Reward earning on dining spends
10% cashback only on Swiggy Food ordering, Instamart and Dineout; minimum transaction of ₹249 to earn it
Travel earning
Cleartrip transactions earn 5% cashback, basis the merchant name.
Wallet load earning
Cashback will not be accrued for Wallet.
Reward exclusions
Cashback not accrued on: Wallet; Rent; Government related transactions; Fuel; Jewellery; EMI (all types); Cash advances; Purchase of travelers' cheques; Purchase of foreign currency and fees; Interest charge and penalties.
Reward caps
10% cashback ₹1500 per billing cycle; 5% cashback ₹1500 per billing cycle; 1% cashback ₹500 per billing cycle.
Cashback redemption
Cashback earned on Swiggy HDFC Bank Credit Card will be in the form of Statement Credit.
Statement-credit redemption
Cashback earned for the current billing cycle is auto redeemed against the outstanding amount due for the subsequent cycle; it will not get adjusted or auto redeemed against Financial Charges accrued. W.e.f. 18 April 2026 (revised process), cashback is posted on a day-to-day basis and settled under the card account
Smallest number of points that can be redeemed
No minimum: there is no minimum value of cashback for auto redemption
Utilities earning
The bank's documents don't say.Checked 19 Oct 2026
Point expiry
The bank's documents don't say.Checked 19 Oct 2026
Catalogue redemption
The bank's documents don't say.Checked 19 Oct 2026
Flight redemption
The bank's documents don't say.Checked 19 Oct 2026
Hotel redemption
The bank's documents don't say.Checked 19 Oct 2026
Points transfer redemption
The bank's documents don't say.Checked 19 Oct 2026
Voucher and product redemption
The bank's documents don't say.Checked 19 Oct 2026
Airline and hotel partners points may move to
The bank's documents don't say.Checked 19 Oct 2026
Reward earning on international spends
The bank's documents don't say.Checked 19 Oct 2026
What one reward unit is worth
The bank's documents don't say.Checked 19 Oct 2026
Redeeming points for travel
The bank's documents don't say.Checked 19 Oct 2026
Card benefits+−
Hotel or travel programme
20% instant discount on hotel bookings and 6.35% instant discount on flight bookings via Cleartrip; a limited period offer w.e.f. 17 April 2026, applicable only when coupon CTSWHDFC is applied
Dining programme
Birthday week: additional 10% discount on Swiggy Dineout upto ₹500 on minimum order value of ₹3000, over and above the 10% cashback; valid for 7 days (3 days prior and 3 days after the birthday), once per cardholder, only post 30 days after card activation
Golf
4 complimentary rounds of green fees per calendar year.
Movies and entertainment
5% Cashback will only be accrued on online transactions in the Entertainment category, along with Apparels, Electronics, Department Stores, Online Pet Stores and Supplies, Home Décor, Personal Care, Local Cabs, Pharmacies, Discount Stores
Retention or continued-access criteria
The Bank closes the card account if the card has not been used for a continuous period of 1 year and, after the Bank's intimation, no reply is received or the cardholder does not start using the card within 30 days, subject to payment of all dues by the cardholder
Minimum spend rules
10% Cashback: minimum transaction of ₹249; 5% and 1% Cashback: minimum transaction of ₹100
The period milestones are measured over and when it resets
The bank's documents don't say.Checked 19 Oct 2026
Milestone benefits
The bank's documents don't say.Checked 19 Oct 2026
Renewal benefit
The bank's documents don't say.Checked 19 Oct 2026
Domestic lounge access
The bank's documents don't say.Checked 19 Oct 2026
Spend that unlocks lounge visits in the next period
The bank's documents don't say.Checked 19 Oct 2026
International lounge access
The bank's documents don't say.Checked 19 Oct 2026
Concierge
The bank's documents don't say.Checked 19 Oct 2026
Priority Pass
The bank's documents don't say.Checked 19 Oct 2026
Membership tiers and what unlocks them
The bank's documents don't say.Checked 19 Oct 2026
Benefit given each anniversary year
The bank's documents don't say.Checked 19 Oct 2026
Also included+−
Surcharge on railway tickets
1% of the transaction amount + GST
Lost card liability
Cardmember is wholly liable for all transactions prior to reporting of loss of the card; after the receipt of proper notification of the loss by the bank, the Cardmember's subsequent liability is zero.
Balance transfer terms
Balance transfer processing fee: 1% of the loan amount, with a minimum charge of ₹250, plus applicable taxes
Purchase to EMI conversion
Option to convert big spends into EMI after purchase available on Swiggy HDFC Bank Credit Card.
Air accident cover
The bank's documents don't say.Checked 19 Oct 2026
Purchase protection
The bank's documents don't say.Checked 19 Oct 2026
Travel insurance
The bank's documents don't say.Checked 19 Oct 2026
What must be paid with the card for the cover to apply
The bank's documents don't say.Checked 19 Oct 2026
Credit shield cover
The bank's documents don't say.Checked 19 Oct 2026
Medical and hospitalisation cover
The bank's documents don't say.Checked 19 Oct 2026
Add-on card eligibility
The bank's documents don't say.Checked 19 Oct 2026
Charges+−
Forex markup
3.5% on foreign currency transactions.3.50% of transaction value
Dynamic currency conversion markup
A markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas, with effect from 15th May 2026
Cash advance fee
2.5% or ₹500 whichever is higher.
Cash advance interest
All cash advances also carry a finance charge equal to charges on revolving credit.
Cash withdrawal limit
40% of the Credit Limit.
Interest on unpaid balance
3.75% Monthly, 45.0% Annually
Interest-free period
Up to 50 days of interest-free Credit from the date of purchase
Late payment fee
₹100 or less: Nil; ₹101 to ₹500: ₹100; ₹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; more than ₹50,000: ₹1,300 (excl. GST)
Over-limit fee
2.5% of the overlimit amount, subject to a minimum of ₹550, basis explicit consent; applicable on total outstanding exceeding the Credit limit
Payment return or dishonour fee
2% of Payment amount, subject to minimum of ₹450; applicable for cheque payment return or unsuccessful payment attempt through Autopay facility
Statement or duplicate statement fee
₹10 per duplicate physical statement.
Card replacement fee
₹199 for non-metal cards
Cash payment / cash deposit fee
₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
Education / school fee charge
1% fee on Education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; no fee on education transactions done directly through college / school websites or through POS machines at their premises, or on International Education transactions.
EMI conversion fee
Smart EMI: processing fees levied is upto ₹849 (exclusive of GST), depending on the customer’s eligibility
Fee on online skill-based gaming spends
W.e.f. 1st July 2025, 1% fee on Online Skill based gaming spends exceeding ₹10,000 in a calendar month; applied on the total Online skill-based gaming spends in the calendar month, capped at ₹4999 per month
Foreign ATM fee
Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.
Wallet load charge
Wallet loading (excl PayZapp): W.e.f. 1st July 2025, 1% fee on wallet loading spends exceeding ₹10,000 in a calendar month; applied on the total wallet loading spends in the calendar month, capped at ₹4999 per month
Fuel transaction fee
1% fee will be levied on Fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); the fee is applied on the total transacted amount and capped at ₹4999 per transaction.
Rent transaction fee
W.e.f. 1st July 2025, 1% fee on transaction amount is levied on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction
Utility transaction fee
1% fee on utility spends exceeding ₹50,000 per Calendar month for consumer cards (₹75,000 per Calendar month for business cards); applied on the total Utility spends in a calendar month, capped at ₹4999 per month.
GST note
GST levied will not be reversed on any dispute on Fee & Charges / interest
Grace days after the due date
Grace days of 3 days is allowed from the payment due date on credit card accounts where payments are not overdue; the payment due date is the date by which clear funds must be credited, and the 3 grace days are provided to accommodate processing time of payments. Late payment charges are levied when the account remains 'past due' for more than 3 days, computed from the payment due date.
Minimum amount due
MAD = Total GST + EMI amount + 100% of Fees/Charges + Overlimit Amount (if any), plus 100% of Finance Charges + 5% of [Retail Spends + Cash Advance] when Finance charges > (5% of Retail Spends + 5% of finance charges), or else 5% of [Finance Charge + Retail Spends and Cash Advance]; rounded to the next higher 10th digit. If MAD falls below or equal to ₹200, it is charged as ₹200
What the card's fee or benefit year means
The bank's documents don't say.Checked 19 Oct 2026
Fee for paying the bill by cheque
The bank's documents don't say.Checked 19 Oct 2026
Charge for lounge visits beyond the free limit
The bank's documents don't say.Checked 19 Oct 2026
Eligibility+−
Age the primary cardholder must be
Age 21 – 60 years if salaried; 21 – 65 years if self-employed.
Income requirement
Salaried: Income (Monthly) — ₹15,000 and above.
Income, salaried
Monthly income of ₹15,000 and above.
Income, self-employed
Annual ITR > ₹6,00,000
Minimum age
Salaried: 21 – 60 years; Self-Employed: 21 – 65 years.
Documents required
Identity Proof: Passport, Aadhaar card, Voter ID, Driving licence, PAN card, Passport size photographs; Address Proof: Utility bills (electricity, water, gas, or telephone), Rental agreement; Income Proof: Salary slips (for salaried individuals), Income Tax Returns (ITR), Form 16, Bank statements
Residency
Indian
In the terms, not the brochure (4)
How the earn rate is rounded
Cashback rounded off to the nearest integer for each individual transaction.
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.
Spends that do not count toward the fee waiver
Cash on Call, Balance Transfer and Cash Withdrawal do not count toward the ₹2,00,000 renewal year fee waiver spends.
What happens to unredeemed points if the card is closed
For closed cards: reward points can be redeemed only for 30 days from the date of card closure (unredeemed points lapse), only towards products/vouchers through a manual redemption form; cashback redemption is not allowed on closed cards
“Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.”
