Swiggy HDFC Bank Credit Card

Gaurav

The Swiggy HDFC Bank Credit Card is perfect for people who often use Swiggy. It offers a great 10% cashback on all purchases made on Swiggy platforms, such as food delivery, Instamart, Dine Out, and Genie. Additionally, it gives 5% cashback on other online purchases and 1% cashback on offline spending. With an annual fee of Rs. 500, the card provides great value, especially for those who spend a lot on Swiggy. For example, if you spend Rs. 15,000 per month on Swiggy, you can earn Rs. 18,000 in cashback each year, which gets credited directly to your card statement.

This card is launched through a partnership between HDFC Bank and Swiggy. It’s the first time Swiggy has worked with a bank to offer a credit card. The joining fee is Rs. 500 plus taxes, and new cardholders also receive a 3-month free Swiggy One membership, worth Rs. 1,199. The card operates on the Mastercard network, giving you access to special perks at certain brands and locations. If you order food regularly from Swiggy, this card is a great way to save money and earn cashback on both Swiggy and other online purchases.

Credit Card Detail
Swiggy HDFC Bank Credit Card
Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Dining | Food
Reward Type
Cashback
Welcome Benefits
Get 3 months of Swiggy One membership for free as a welcome benefit. It offers perks like free deliveries and discounts.
Apply Now
Rewards Rate
10% Cashback across Swiggy app, 5% Cashback on online spends, 1% Cashback on other categories
Reward Redemption
Cashback Against Credit Card Statement
Movie & Dining
Get 10% cashback on all purchases made through the Swiggy app, including food orders, Instamart, Dineout, and more.
Travel
Upto 5% cashback on merchants like Uber and Ola
Golf
You get access to golf courses around the world and 12 free lessons each year. Additionally, you can enjoy 4 complimentary rounds of golf per year, and after that, you’ll receive a 50% discount on green fees for any additional sessions.
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
3.6% per month or 43.2% per annum
Spend-Based Waiver
Renewal fee waiver on spending Rs. 2 Lakhs in the year
Rewards Redemption Fee
N/A
Cash Advance Charges
N/A
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
N/A
Card Details
  • Free 3-Month Swiggy One Membership: Enjoy 3 months of free Swiggy One membership, with perks like free delivery and discounts.
  • 10% Cashback on Swiggy Orders: Earn 10% cashback on all Swiggy purchases, including food, Instamart, Dineout, and Genie (with a monthly cap of Rs. 1,500).
  • 5% Cashback on Online Shopping: Get 5% cashback on online shopping from popular brands (with a monthly cap of Rs. 1,500).
  • 1% Cashback on Other Purchases: Earn 1% cashback on offline transactions and other spending (with a monthly cap of Rs. 500).
  • Cashback Redemption: Accumulated cashback is credited directly to the card statement and adjusted against outstanding dues.
  • Activation Benefit: Receive 3 months of free Swiggy One membership when you activate the card.
  • Renewal Fee Waiver: The annual fee is waived if you spend Rs. 2 Lakh before the card renewal date (excluding Cash on Call, cash withdrawal, and balance transfer).
  • Golf Benefits via Mastercard: Enjoy 4 complimentary rounds of green fees and 12 free golf lessons, with 50% off on green fees beyond complimentary sessions.
  • Zero Lost Card Liability: If your card is lost, you can avail of zero liability on fraudulent transactions, provided the loss is reported immediately to the HDFC Bank call center.
Pros/Cons
Pros
- You can earn 10% cashback on all Swiggy food delivery orders, including Genie and Instamart, and get up to ₹1,500 cashback per month on major online shopping sites. Additionally, enjoy a free 3-month Swiggy One membership, perfect for food lovers.
Cons
- This card offers great food-related benefits. It could have been better with extra perks like free airport lounge access.
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Frequently Asked Questions

How to get the welcome benefit of Swiggy One Membership?

Swiggy One membership is free for 3 months with the Swiggy HDFC Bank Credit Card. To get it, link your card with Swiggy if you applied from HDFC Bank. If you applied through Swiggy, the membership will activate once you activate your card.

What if I already have a Swiggy One Membership?

Your current Swiggy One Membership will get an extra 3 months. For example, if you have 6 months left, you’ll now have 9 months.

When does Swiggy Money Cashback expire?

Swiggy Money Cashback expires one year after you earn it.

How does Swiggy Money work?

Swiggy Money is added to your account 8-10 days after your billing statement. You can use it to pay for orders on the Swiggy app.

What’s the cashback rate on the credit card?

The card gives 10% cashback on Swiggy purchases (like food orders, Dineout, Genie, Instamart), 5% cashback on online shopping at top brands, and 1% cashback on other purchases. The cashback has a limit: ₹1500 for the 10% and 5% categories, and ₹500 for the 1% category per billing cycle.

How do I use the cashback earned?

The cashback will automatically be applied to your next credit card statement.

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