Keep every Swiggy order above ₹1,000
The 10% Swiggy-app cashback requires a minimum ₹1,000 per transaction. Two ₹500 orders earn zero at the accelerated rate — combine carts into one ₹1,000+ basket so each swipe qualifies for the full 10%.
Mid-tier · Dining
HDFC BANK · SWIGGY HDFC BANK CREDIT CARD
Swiggy HDFC Bank Credit Card
ANNUAL FEE
₹500 waived at ₹2L spend
FIRST-YEAR NET VALUE
₹56,700 for a mid spender · travel
HDFC BANK Swiggy HDFC Bank
Updated 2026-04 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is HDFC Bank's.
MONTHLY INCOME ₹0.3L+ Salaried or self-employed
CREDIT SCORE 700+ Good band
AGE 21 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹56,700 first-year net value · mid spender · travel
Category rewards ₹56,700
Annual fee − ₹500
Fee waiver (met)· Annual fee waived on eligible spends of ₹2,00,000 or more ₹500
Net first-year value ₹56,700
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.00% back on eligible spends 1 pts 1 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 10.0% back
Official HDFC snippet mentions 10% cashback on spends above ₹1,000 on Swiggy app 10% cashback · 10.0%
Official HDFC product snippet 5% cashback · 5.0%
Everything else (base) · 1.0%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time HDFC Bank tweaks the program.
Watch the ₹1,500 monthly cashback ceiling
Total cashback across all tiers is capped at ₹1,500 per month. That caps out at ₹15,000 of Swiggy spend or ₹30,000 of other-online at 5%. Beyond the cap, every extra rupee earns nothing — move overflow to another rewards card mid-month.
Route all e-commerce swipes here for 5%
Non-Swiggy online spend earns a flat 5% cashback, 5× the card's 1% base. On ₹20,000/month of Amazon/Myntra/MakeMyTrip rails that is ₹1,000/month back — pushing you into the monthly cap fast without touching Swiggy.
Clear ₹5K every quarter to keep the lounge perk
The 1 domestic lounge visit per calendar quarter activates only if you spent ≥₹5,000 in the previous quarter. A single ₹5K Swiggy week pre-qualifies the next quarter — don't lose 4 free lounge visits per year over a trivial gating requirement.
Hit ₹2L annual spend to zero the ₹500 fee
Annual fee (₹590 with GST) waives on ₹2,00,000 of eligible spend in the preceding year. At ₹1,500/month of capped cashback you are already running ~₹15K/month through the card — a low ~₹17K/month run rate gets the waiver comfortably.
Keep international spend off this card
Forex markup is 3.5% — one of the worst among HDFC co-brands. A ₹50,000 overseas purchase costs ₹1,750 in markup versus ₹995 on a 1.99% card. Use a travel-friendly card abroad and keep this one for Swiggy plus domestic online.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹500 · + 18% GST · one-time
Annual fee (year 2+) ₹500 · waived at ₹2L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
4 domestic visits per year. Primary cardholder.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
Joining and annual fees are ₹500 + 18% GST — ₹590 all-in each. HDFC waives the next-year fee on ₹2,00,000 of eligible spend in the preceding year, which averages roughly ₹16,700/month. Most Swiggy-heavy users hit this comfortably once they also route online spend here.
HOW WE KEEP THIS CURRENT
Last verified 2026-04. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.