All Swiggy HDFC Credit Cardholders have been wondering what changes might come after HDFC launched two new co-branded cards, Swiggy HDFC BLCK and Swiggy HDFC ORNGE. These new cards offer different cashback benefits, leaving many users curious about what will happen to their existing card benefits.
Now, HDFC Bank has shared an update. Starting 17th April 2026, to continue earning 10% cashback on Swiggy app spends (Food Ordering, Instamart, and Dineout) with the Swiggy HDFC Credit Card, each transaction must be ₹249 or more. This change is not surprising, as it was already introduced with the new Swiggy HDFC variants. The minimum transaction amount to earn 5% or 1% cashback remains unchanged at ₹100.
The bank has also introduced an additional benefit for existing Swiggy HDFC Credit Cardholders. Cardholders will earn 5% cashback (capped at ₹1,500 per billing cycle) on flight and hotel bookings made via Cleartrip, along with an additional instant discount on the Cleartrip app.
Overall, these changes are positive as the card has not been devalued and will also not be migrated to the new variants, while continuing to offer the same benefits as the Swiggy HDFC BLCK Credit Card.
Swiggy HDFC Credit Card Cashback Changes (April 2026)
- Minimum transaction value for 10% cashback increased from ₹100 to ₹249 on Swiggy spends (Food, Instamart, Dineout)
- No change in minimum spend for 5% and 1% cashback (continues at ₹100)
- New benefit added: 5% cashback on Cleartrip flight & hotel bookings
- Cleartrip cashback capped at ₹1,500 per billing cycle
- Additional instant discount available on Cleartrip app
- No change in overall 10% cashback cap (₹1,500 per statement cycle)
- Existing benefits like golf access remain unchanged
- Card will not be migrated to the new Swiggy HDFC variants (BLCK/ORNGE)
- Cashback will now be adjusted within the same billing cycle (effective 17th April 2026)
Bottom Line
While many were expecting a devaluation, and some even believed that users with limits below ₹1.5 lakh would be moved to ORNGE and those above to BLCK, HDFC has decided to continue with the existing Swiggy HDFC Credit Card.
That said, there are a few changes. The minimum transaction value for earning cashback has been increased from ₹100 to ₹249. However, the card will still offer 10% cashback up to ₹1,500 per statement cycle, which is a positive. Along with this, existing benefits like golf access remain unchanged, so there’s no major reason to worry or consider closing the card.
Additionally, starting 17th April 2026, cashback on eligible transactions will be adjusted against your outstanding amount within the same billing cycle.