LifestyleEntryVisa✦ Swiggy

HDFC Swiggy Credit Card

Free food delivery membership + cashback on every order

Annual fee₹500Waived on ₹2.0L spend

Rewards1%Cashback

Forex markup—

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Welcome benefits

worth ₹1,199

Complimentary 3 Months Swiggy One Membership

Type: Subscription
Trigger: within 30 days
Partner: Swiggy
Validity: 90 days

Read full T&C →

Rewards

Current offers for HDFC Swiggy Credit Card

Cashback · Swiggy
10% cashback on Swiggy app transactions (food ordering, Instamart, Dineout, Genie), up to ₹1,500 per billing cycle
HDFC Swiggy Credit Card
Swiggy Money Wallet, Swiggy Liquor, Swiggy Minis transactions earn no cashback; other exclusions may apply. Page shows a typo '₹,1500'.
End date not stated by the bank · Verified 19 Sep 2026 · Source (opens in a new tab)

Offers are set by banks and merchants and can change or end without notice — check the source before you pay. All card offers

Fees & charges

Joining fee: ₹500 /- + Applicable Charges
Annual / renewal fee: ₹500 /- + Applicable Charges
Annual fee waiver: Spend ₹2,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off. Exclusions for Spends of ₹ 2,00,000 and above for eligibility of renewal year fee waiver are as follows: Cash on Call, Balance Transfer, Cash Withdrawal.
Interest rate: Revolving Credit Available at a nominal interest rate. (Check Fees and Charges section for more details)
Interest-free period: 50 days

Insurance covers

Fraud liability

Zero Cost Card Liability Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank's 24-hour Call Centre.

Eligibility

Income (salaried): Income (Monthly) - ₹15,000 and above for Salaried. Annual ITR > ₹6,00,000 for Self-Employed
Income (self-employed): ₹6L/year
Age: 21–60 years

Employment types

SalariedSelf-Employed

Required documents

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, Passport, Aadhaar card, Voter ID
Income Proof: Salary slips (for salaried individuals), Income Tax Returns (ITR), Form 16, Bank statements

Features

✓ Contactless

Additional features

Up to 50 days of interest-free Credit from the date of purchase
Contactless payments to improve your purchase experience
Simple card management via HDFC Bank MyCards

No rewards on

Fuel · Rent · Emi · Wallet · Jewellery · Government Transactions · Cash Advances · Travellers Cheques · Foreign Currency Purchase · Interest Charges · Penalties

Card management via HDFC Bank MyCards.

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Swiggy app — 5% back

0% of spend100% of spend

Online select merchants — 5% back

0% of spend100% of spend

Remaining 65% of spend earns the 1% base rate.

Rewards / year

₹12,000

≈ 2.00% effective

Annual fee

₹0 (waived)

waived at ₹1,50,000/yr spend

Net steady-state return

+₹12,000/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹12,000 a year.

Apply Now Check Eligibility →

One-time joining fee (year 1 only): ₹500

One-time welcome benefit — Complimentary Swiggy One Membership for 12 months (existing holders extended by 12 months); requires card activation within 37 days of issuance and claiming 'Swiggy One' on the Swiggy app

Based on published rates as of 2026-08-07. Rewards estimates, not guarantees.