Credit Card

Swiggy HDFC Credit Card Full Details | Benefits | Eligibility | Fees 2024 Edition

HDFC Bank is the top card issuer in India with a diverse portfolio of credit cards ranging from super-premium, travel, fuel, shopping, and more. To offer the best benefits and privileges to customers, HDFC also has a great range of co-branded credit cards and has recently come out with the Swiggy HDFC Bank credit card.

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This is the first time Swiggy has partnered with a bank on a credit card, and you can get the card for a joining fee of Rs. 500 plus taxes. If you are a loyal Swiggy customer and regularly order food online, then this is a great card for you through which you can save up to 6.8% on your annual spends of over Rs. 2 Lakhs. As a welcome benefit, you get a complimentary 3-month Swiggy One membership and can get up to 10% cashback on your spends across Swiggy.

Features of Swiggy HDFC Credit Card

The following are the features of Swiggy HDFC Credit Card:

  • Offers 10% cashback Food ordering, Instamart, Dineout, and Genie through Swiggy application
  • Across online MCCs through online spendings the card offers 5% cashback
  • The card offers 1% cashback on other categories
  • As per latest RBI (Reserve Bank of India) guidelines, on activation of card Complimentary Swiggy One Membership will be offer for three months
  • The cashback can be redeemed as Swiggy Money through Swiggy application
  • Transactions made using Swiggy Minis, Swiggy Money Wallet, and Swiggy Liquor, and any other categories will not earn any cashback
  • Only after downloading the Swiggy App and linking the card with Swiggy app the cashback can be redeemed

Additional Features of Swiggy HDFC Credit Card

Here is the list of some of the additional features of Swiggy HDFC Credit Card:

  • Offers complimentary Swiggy one Membership as welcome benefit for three months on activation of the card
  • Exclusions for eligibility of renewal year fee waiver for spending of Rs.2 lakh or more are cash withdrawal, cash on call, and balance transfer
  • Ensures zero lost card liability on reporting about the lost immediately to the 24-hour call centre
  • Customers are provided with revolving credit at a nominal interest rate on your Swiggy HDFC Bank credit card
  • From the date of purchase, the customer can enjoy up to 50 days of interest-free period on the Swiggy HDFC Bank Credit Card
  • Offers Smart EMI facility on large purchase through Swiggy HDFC Bank Credit Card
  • Minimum of Rs.250 or 1% of loan amount as balance transfer
  • Cashback is applicable for amount more than Rs.100
  • Maximum of Rs.5,000 for a single transaction is allowed for contactless payment without credit card PIN
  • For amount more than Rs.5,000, Credit Card PIN is required for security reasons

Fees & Charges :

  • Joining Fee : Rs. 500 + GST
  • Renewal Fee : Rs. 500 + GST

Best Suited For : Dining | Food

Reward Type : Cashback

Welcome Benefits : Complimentary 3-Month Swiggy One Membership


  • Get 10% cashback on all your Swiggy food delivery orders, including Genie and Instamart.
  • Up to ₹1,500 cashback per month across major online shopping platforms.
  • For food enthusiasts, a complimentary Swiggy One membership for three months is extremely beneficial.


  • You can only redeem your cashback on the Swiggy app.
  • No domestic or international lounge access with the Swiggy HDFC Credit Card.
  • The foreign currency markup is extremely high at 3.5%.

Card Summary :

  • Complimentary 3-Month Swiggy One Membership as a welcome benefit.
  • 10% Cashback across the Swiggy app.
  • 5% Cashback on online spends across top brands.
  • 1% Cashback on other spends.

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Swiggy HDFC Bank Credit Card Rewards & Cashback

10% Cashback on Swiggy

Get 10% cashback across the Swiggy application, including food orders, Instamart, Dineout, and Genie. You can earn a maximum of Rs. 1500 per billing cycle, and the cashback is not applicable to spends made on Swiggy Money Wallet, Swiggy Minis, and Swiggy Liquor. Also, you do not earn cashback on transactions of less than Rs. 100.

5% Cashback on Online Spends

Get 5% cashback on online spends made with the card across top brands like Nykaa, BookMyShow, Ola, Myntra, Amazon, Uber, Adidas, H&M, and more. The cashback is applicable on Apparel, Electronics, Entertainment, Home Décor, Department Store, Personal Care, Medical Store, Local Cabs, Pet Stores, and Discount Stores. The maximum cashback you earn per billing cycle is Rs. 1500

1% Cashback on Other Spends

Get 1% cashback on your spends on other categories with the credit card, with the maximum benefit capped at Rs. 500 per billing cycle. The following categories are excluded from the 1% cashback category – Fuel, Rent, Wallet, EMI, Jewellery, and Government transactions.

Reward Redemption

The cashback earned through your spends with the card is in the form of Swiggy Money, and you can use it only on the Swiggy app. Use the Swiggy Money for food ordering, Instamart, Genie, and Dineout. Also, you can redeem the cashback only after downloading the Swiggy app and linking your credit card to it.

In the Swiggy application, choose Swiggy Money as the payment method to utilize the cashback you earned. Swiggy Money is valid for 1 year from the date of earning, and money with the closest expiration date will be used first automatically.

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