Swiggy HDFC Bank Credit Card
- Updated On: 14 May, 2026
The Swiggy HDFC Credit Card has become one of the most popular cashback credit cards in India, even surpassing the success of the veteran HDFC Millennia card.
Swiggy, a leading online food ordering platform in India, has launched this co-branded credit card in collaboration with HDFC. It is a cashback card that comes with a very low annual fee of ₹500 + GST (~₹590), considering the numerous benefits it offers. Even this fee is not wasted as cardholders would get a free Swiggy One membership for three months.
With the Swiggy HDFC Credit Card, users can earn 10% cashback on purchases made through Swiggy, including Dineout, Genie, and Instamart. This means that you can not only order food but also buy groceries and enjoy significant discounts on dining out. If you are a frequent Swiggy customer who regularly orders food online, this card could be an excellent option for you, potentially saving you up to ₹42,000 annually.
Swiggy is the only online food ordering service currently offering a co-branded credit card. Continue reading to learn more about the Swiggy HDFC co-branded credit card, including its features, fees, and other important details.
Swiggy HDFC Bank Credit Card
( 4.8 / 5 )
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- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
10% Cashback across Swiggy app, 5% Cashback on online spends, 1% Cashback on other categories
Welcome Benefits
Complimentary 3-Month Swiggy One Membership
Rewards and Benefits
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
Travel
Upto 5% cashback on merchants like Uber and Ola
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
12 Free Golf Lessons, 4 Free Rounds of Green Fees, and 50% Off on Golf Services
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
Annual Charges Waived on Spend of ₹2 Lakh
Rewards Redemption Fee
Nil
Foreign Currency Markup
3.5% + GST
Interest Rates
3.75% Per Month or 45% Per Annum
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% or ₹500, Whichever is Higher
Product Details
- 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.
Pros/Cons
Pros
- 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.
Cons
- 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.
Up to 10% Cashback With Swiggy HDFC
All cashback earned with the Swiggy HDFC Credit Card will be applied directly to the credit card statement in the following month.
- Get 10% cashback across the Swiggy application, including food orders, Instamart, Dineout, and Genie. You can earn a maximum of ₹1,500 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.
- 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 ₹1,500. Please remember that 5% cashback does not apply to gift cards and grocery purchases.
- 1% cashback on all other eligible categories, with the maximum benefit capped at ₹500 per billing cycle.
The following categories are excluded for cashback – fuel, rent, wallet, EMI, jewellery, and government transactions.
Mastercard World Tier Benefits
As the Swiggy HDFC Bank Card is a MasterCard World 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.
- Swiggy HDFC offers four complimentary rounds of green fees each calendar year, with a limit of one round per month. Additionally, members receive twelve complimentary golf lessons annually, one lesson per month. In addition to utilizing the complimentary sessions, golfers can avail of discounted golf services at 50% off the regular green fee. To book these services, please contact 1800-102-6263.
- Up to 12% off on Agoda.
- Enjoy a complimentary stay and dinner for one person at designated Mastercard partner locations worldwide.
Earn IndiGo BluChips With Swiggy Spends
Discount coupons and cashback with Swiggy HDFC are just the beginning of the benefits. Customers will also earn IndiGo BluChips when they make purchases through the Swiggy app. This offer is in addition to the advantages of using the Swiggy HDFC Credit Card. Cardholders will not only receive cashback on their spending but will also be eligible to earn 1 IndiGo BluChip for every ₹250 spent on Swiggy’s platforms, including Swiggy Food Delivery, Dineout, and Instamart.
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 ₹15,000, 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 at 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 top food/dining credit card in the comments section.
FAQs:
What is the joining and renewal fee on the Swiggy HDFC Bank credit card?
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.
Does the credit card offer Swiggy One membership?
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.
What is the cashback rate offered by the credit card?
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.
How to use the cashback earned through the credit card?
Cashback earned through this card is directly adjusted in the next credit card statement.
23 comments
Civi
Does this card give 5% cashback on utility bill payments? Specially broadband bills?
Kartik Kanwar
No cashback for utility bills. For that go for Airtel Axis or PhonePe Co-Branded Credit Cards.
Rajnish
Do we get 5% cb even on offline payments at Adidas, H&M etc? Or this only applicable in online mode
Kartik Kanwar
Online only. For offline you shall get 1% cashback.
Jay
Yes, i Buy 1 gram gold every month.
NILADRI NANDAN DAS
can i get cashback for buying gold coins from instamart and jewlry ??
Devika Aggarwal
Does the card offer 5% cashback on groceries purchased on Flipkart, or is it only applicable to other Flipkart categories?
Kartik Kanwar
I think it shall offer cashback against Flipkart groceries also. Will hit and try once personally and inform. Its confusing because Swiggy HDFC explicitly does not offer cashback for groceries. So it all depends on the MCC.
Smit
did you confirm? what is mcc?
Dev
This Swiggy HDFC Bank Credit Card deal sounds amazing! Up to 10% cashback is a fantastic incentive for food lovers like me. I’m definitely considering getting one to enjoy my meals even more.
Kartik Kanwar
Its a great card. It has practically overshadowed HDFC Millennia.
Alka
Will the cashback be added to our savings account or Swiggy money?
Kartik Kanwar
Cashback is received directly against credit card statement.
Kapil Kumar
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.
Kartik Kanwar
This card has gotten extremely popular ever since its was offered as LTF. People are using it to get 5% cashback on sites like H and M, BookyMyShow etc.
KARTHIK
what is LTF
Kartik Kanwar
Lifetime Free
Sravan
Where can I find the entire list of websites where I get 5% cashback?
Kartik Kanwar
With the following MCCs you shall get a 5% cashback – Apparels, Pharmacies, Personal Care, Electronics, Home Decor, Local Cabs, Pet Stores, Entertainment and Discount Stores.
tarandeep singh
what exactly does discount store and department stores mean here
Kartik Kanwar
Discount store mean platforms like Flipkart, Amazon, Ajio and Meesho which come under the MCC 5399.
bhaskar
my application was rejected because I already have an HDFC credit card. What a weird reason.
Abhishek
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.