HDFC Bank Swiggy Credit Card @ 10% Cashback

The HDFC Bank Swiggy Credit Card is the best choice if you are a foodie and want a discount. The HDFC Bank Swiggy Credit Card is a co-branded credit card launched in collaboration between HDFC Bank, one of India’s leading private banks, and Swiggy, India’s largest food delivery platform.

The customers who frequently order food from Swiggy and shop on e-commerce platforms, the HDFC Swiggy Credit Card is the best fit.

Features of the HDFC Swiggy Credit Card

1. 10% Cashback on Swiggy

You earn 10% cashback on all transactions made on the Swiggy app, including food delivery, Instamart groceries, Dineout bookings, and Genie services. It’s straightforward, with no complex redemption process.

Unlike some cards that offer accelerated points hidden in reward catalogs, this cashback goes directly into your card account, available as a statement credit.

2. 5% Cashback on Popular Platforms

Apart from Swiggy, you also earn 5% cashback on major online platforms like:

• Amazon
• Flipkart
• Myntra
• Nykaa
• BookMyShow
• Uber

This makes it useful beyond food orders. You’re rewarded across categories: fashion, beauty, entertainment, rides, and more.

3. 1% Cashback on Other Spends

For everything else, the card offers 1% cashback. This ensures you’re not missing out even on regular spending — be it at supermarkets, petrol pumps, or offline stores.

4. Annual Fee and Waiver

• Joining/Annual Fee: ₹499 + taxes
• Fee Waiver: The Annual fee is waived if you spend a minimum of ₹2 lakh in a year.

For a card that offers such high reward potential, this is a relatively low annual fee, especially if you’re a regular user of Swiggy and e-commerce platforms.

5. Golf Benefit

You can get up to 12 free golf lesson memberships per year.  HDFC Swiggy Credit Card replaces the airport lounge access program with a golf course membership. This golf membership offers complimentary access for every cardholder.

Benefits Overview

Feature	Cashback Rate	Notes
Swiggy	10%	Includes Swiggy Instamart, Dineout, Genie
Amazon, Flipkart, Myntra, etc.	5%	Online shopping and entertainment
All Other Spends	1%	Universal usage
Lounge Access	Not available	Focused on cashback, not travel
Fuel Surcharge Waiver	Yes	1% waiver on transactions between ₹400–₹5,000

HDFC Swiggy Credit Card Fees & Charges

Joining Charge	Rs. 499 + GST
Available Welcome Benefit	Swiggy One Membership (For 3 months)
Renewal Fee / Annual Fee	Rs. 499 + GST
Renewal Fee waiver	Spend 2 Lakhs yearly

Eligibility & Documents Process

Eligibility Criteria:

• Age: 21–60 years (salaried) or 21–65 years (self-employed)
• Indian resident with a stable income
• Good credit score (generally 720+)

Documents Required:

• PAN card
• Aadhaar or address proof
• Income proof (salary slip/ITR)
• Passport-sized photo

Also Read: Top 4 Instant Loan Apps Choose by 24hrLoan

Pros and Cons

Pros	Cons
High cashback rate (up to 10%)	No airport lounge access
Simple and transparent reward points	No reward points system on travel perks
Low annual fee	Cashback is capped (monthly caps apply)

FAQs