Swiggy HDFC Bank Credit Card benefits
- HDFC Bank is phasing out this card and moving holders to newer Swiggy cards
- 10% cashback on Swiggy food orders, Instamart and Dineout, up to ₹1,500 per billing cycle
- 5% cashback at select online merchants, up to ₹1,500 per billing cycle
- 1% cashback on other eligible spends, up to ₹500 per billing cycle
- ₹500 joining and renewal fee, plus GST
- Renewal fee waived on ₹2,00,000 of yearly spends
Swiggy HDFC Bank Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| SwiggyOnly on the Swiggy app: food orders, Instamart and Dineout. Minimum transaction ₹249. Swiggy Money Wallet, Swiggy Liquor and Swiggy Minis do not qualify. The cap is per billing cycle. | 10% back | 1,500 |
| Swiggy card partner shopsOnly at select online merchants in these categories: apparel, electronics, department stores, pet supplies, home decor, personal care, local cabs, entertainment, pharmacies and discount stores, plus Cleartrip. Grocery spends on Amazon and Flipkart also qualify. Minimum transaction ₹100. The cap is per billing cycle. | 5% back | 1,500 |
| Everything else | 1% back | 500 |
No rewards on: Fuel, rent, government payments, jewellery, wallet, gift and prepaid card loads, all EMI, SmartPay, the SmartBuy portal, cash advances, travellers' cheques, foreign currency purchases and fees.
All reward rules
- HDFC Bank is phasing out this card. Existing holders are being moved in stages to the Swiggy Ornge or Swiggy BLCK card. If a holder gives no choice in time, the card moves to Swiggy Ornge.
- The 1% rate on other spends is capped at ₹500 per billing cycle and needs a minimum transaction of ₹100.
- Total cashback is limited to ₹3,500 per statement cycle.
- Cashback is credited to your statement balance.
- Welcome benefit: 3 months of Swiggy One membership on card activation.
Swiggy HDFC Bank Credit Card annual fee and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- ₹2,00,000 a year
- Foreign currency markup
- 3.5%
Fees are before GST. The renewal fee is waived if you spend ₹2,00,000 in a year before the renewal date. Cash on Call, Balance Transfer and cash withdrawals do not count towards this spend.
Fuel surcharge: None. The bank's MITC says the fuel surcharge waiver does not apply to this card.
Swiggy HDFC Bank Credit Card eligibility
- Age
- 21 to 65
- Salaried income
- ₹1,80,000 a year
- Self-employed income
- ₹6,00,000 a year
Indian nationals. Salaried: age 21 to 60 and monthly income of ₹15,000 or more. Self-employed: age 21 to 65 and ITR above ₹6 lakh a year.
The bank alone decides approval and your credit limit.
Swiggy HDFC Bank Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Frequently asked questions
Is the Swiggy HDFC Bank Credit Card being discontinued?
Yes. HDFC Bank says this card is being phased out. Existing holders are being moved in stages to the Swiggy Ornge or Swiggy BLCK card. The bank says it gives at least 30 days' notice before a move. If a holder gives no choice in time, the card moves to Swiggy Ornge. The bank describes Swiggy Ornge as lifetime free for migrated holders.
What is the annual fee of the Swiggy HDFC Bank Credit Card?
The joining fee and the renewal fee are both ₹500 plus GST. The renewal fee is waived if you spend ₹2,00,000 in a year before your renewal date.
Is the Swiggy HDFC Bank Credit Card lifetime free?
No. Under the standard terms it has a ₹500 yearly fee. You can avoid the renewal fee by meeting the ₹2,00,000 yearly spend.
What is the eligibility for the Swiggy HDFC Bank Credit Card?
Salaried applicants must be 21 to 60 years old with monthly income of ₹15,000 or more. Self-employed applicants must be 21 to 65 years old with an ITR (income tax return) above ₹6 lakh a year.
What is the cashback limit on the Swiggy HDFC Bank Credit Card?
Per billing cycle, the limits are ₹1,500 at 10%, ₹1,500 at 5% and ₹500 at 1%. Total cashback is limited to ₹3,500 per statement cycle. The 10% rate needs a minimum transaction of ₹249. The 5% and 1% rates need a minimum of ₹100.
Does the Swiggy HDFC Bank Credit Card give lounge access?
The bank's card page lists no airport lounge benefit for this card.
Does the Swiggy HDFC Bank Credit Card have a fuel surcharge waiver?
No. The bank's MITC (most important terms and conditions) says the waiver does not apply to this card. Fuel spends also earn no cashback.