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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 come out with the exclusive Swiggy HDFC Bank credit card.

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 ₹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 ₹42,000 annually. You would get 10% cashback on all Swigyy spends including Dineout and Instamart. As a welcome benefit, you also get a complimentary 3-month Swiggy One membership.

Read further to learn more about the new co-branded Swiggy HDFC Bank credit card, its offerings, fees and charges, and other information.

Swiggy HDFC Bank Credit Card

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

Movie & Dining

10% Cashback on Swiggy app including food orders, Instamart, Dineout, and more

Rewards Rate

10% Cashback across Swiggy app, 5% Cashback on online spends, 1% Cashback on other categories

Reward Redemption

Cashback Against Credit Card Statement


Upto 5% cashback on merchants like Uber and Ola

Domestic Lounge Access


International Lounge Access



Free Golf Lessons (Mastercard World)

Insurance Benefits


Spend-Based Waiver

Renewal fee waiver on spending Rs. 2 Lakhs in the year

Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

3.5% of the total amount

Interest Rates

3.6% per month or 43.2% per annum

Fuel Surcharge


Cash Advance Charges

2.5% of the amount or Rs. 500, whichever is higher

  • 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.


  • 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.


  • Although this card offers great benefits on food, it could have included additional perks such as free airport lounge access.

Welcome Benefit

As a welcome benefit on card activation, you can receive a complimentary 3-month Swiggy One membership. If you already have the membership, you can extend it for 3 months. You must activate your card as per the latest RBI regulation in one of the following ways –

  • Make a successful transaction with the credit card
  • Use the card via OTP or IVR, set up the card PIN, and enable controls like online transactions, international transactions, etc.

10% Cashback on Swiggy

Get 10% cashback across the Swiggy application, including food orders, Instamart, Dineout, and Genie. You can earn a maximum of ₹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 ₹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 ₹1500

Please remember that 5% cashback does not apply to gift cards and grocery purchases.

1% Cashback on Other Spends

With the credit card, you can get 1% cashback on your spending in other categories, with the maximum benefit capped at ₹500 per billing cycle. The following categories are excluded from the 1% cashback category: Fuel, Rent, Wallet, EMI, Jewellery, and Government transactions.

Earn Direct Cashback

The cashback earned with this card used to be credited as Swiggy Money and could only be used on the Swiggy platform. However, from 21st June onwards, all cashback earned with the Swiggy HDFC Credit Card will be credited directly against the credit card statement in the subsequent month. This single change to the feature of the Swiggy HDFC Card has significantly improved its popularity.

Mastercard World Tier Benefits

As the Swiggy HDFC Bank Card is a MasterCard Word Tier card, you get access to many benefits, including complimentary loyalty memberships, dine-and-stay, and more from top brands. You also get various privileges in sports, shopping, travel, arts and culture, and more in many countries worldwide.

  • 12 golf lessons across India.
  • Up to 12% off on Agoda.
  • Enjoy a complimentary stay and dinner for one person at designated Mastercard partner locations worldwide.

Swiggy HDFC Bank Credit Card

Additional Features

  • Interest-free Credit Period – You can get an interest-free period of up to 50 days from the date of purchase on spends made with the Swiggy HDFC Bank credit card.
  • Zero lost card liability – The cardholder is not liable for any fraudulent transactions on reporting immediately about card loss or theft to the bank’s 24-hour call center.
  • Revolving Credit – The credit card has a nominal interest rate.
  • Add-on Cards – Get up to 3 complimentary add-on credit cards for your family members

How to Link the Credit Card to the Swiggy App?

Follow these steps to link your credit card to the Swiggy app –

  • Open the Swiggy application and click the “Accounts” section at the top right. Then, apply for a lifetime free credit card. Afterwards, open the Credit Card page.
  • Select the Swiggy HDFC Bank Credit Card.
  • Scroll down to the bottom of the page. You will see ‘Already Got the Card?’ Next, click on “Link your Card to Swiggy.”
  • Enter the mobile number registered with your credit card.
  • Enter the OTP sent to you for authentication, and the credit card will be successfully linked.

Swiggy HDFC Credit Card

Eligibility Criteria

You must meet certain eligibility requirements to apply for the Swiggy HDFC Bank credit card.

  • The applicant must be 21 to 60 years of age in the case of salaried and 21 to 65 years of age in the case of self-employed people.
  • The applicant must be an Indian citizen.
  • The applicant must have a minimum monthly salary of ₹25,000, or in the case of self-employed people, an ITR return of ₹6 Lakhs or more per annum.
  • Existing HDFC Credit Card holders can also apply for this card.

Swiggy HDFC Bank Credit Card Review

For the first time, Swiggy has launched a co-branded card, and you can get the Swiggy HDFC Bank credit card for a joining fee of ₹500. It is perfect for loyal Swiggy users as you can get 10% cashback on spends across the Swiggy platform, along with 5% cashback on other popular brands. Also, you get a complimentary 3-month Swiggy One membership worth ₹1199 as a welcome benefit.

You can apply for the card either through the Swiggy app or via HDFC Bank. Moreover, the card is on the Mastercard network, and you even get World Tier Mastercard benefits with the card on top brands and multiple locations. If you frequently order food from Swiggy and want to enjoy some additional savings on your dining expenses, consider getting the Swiggy HDFC Bank credit card. This card also offers savings on other well-known brands. Feel free to share your thoughts on this newly released credit card in the comments section.


The joining and renewal fee on the Swiggy HDFC Bank credit card is ₹500 plus taxes. You can apply for the card either through the Swiggy app or through the HDFC Bank website.
Yes, upon activation, you can receive a complimentary Swiggy One membership as a welcome benefit. Make sure to activate your card according to the latest RBI guidelines to receive the welcome benefit. If you are already a Swiggy One member, your membership will be extended by three months.
With the Swiggy HDFC Bank credit card, you can earn 10% cashback on your spends across Swiggy including food orders, Dineout, Genie, and Instamart. Also, you can earn 5% cashback on online spends at many top brands, and 1% cashback on spends elsewhere. There is a ₹1500 capping per cycle on the 10% and 5% cashback categories, and ₹500 capping on the 1% category per billing cycle.
Cashback earned through this card is directly adjusted in the next credit card statement.


    1. Hi Bhaskar, same happened to me as well. But after some 1.5 months they changed the rejected status to approved and dispatched my new card. Initially they gave me ₹5000 card limit only, but then I received an email after two days of receiving the physical card that they have adjusted my credit limit to share it with my existing HDFC credit card, which is much more higher.

  1. I don’t just use my Swiggy HDFC Bank Credit Card for food orders. Groceries, late-night pharmacy runs, and even occasional shopping sprees – this card covers it all, always giving me cashback on my everyday purchases.

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Swiggy HDFC Bank Credit Card

Swiggy HDFC Bank Credit Card


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