Swiggy HDFC credit card review: fees, rewards and eligibility
The Swiggy HDFC has a recorded annual fee of ₹500 plus GST and a base earn of 1% statement cashback on eligible other-category spend. CardMasters checked its issuer terms on 2026-07-28. Affiliate commission never changes ranking; confirm final terms and approval with HDFC Bank.
Swiggy HDFC: short answer
The Swiggy HDFC is in the entry tier of HDFC Bank credit cards, with a joining fee of ₹500, an annual fee of ₹500 plus GST (waived on ₹2,00,000 of eligible annual spend), a base earn of 1% statement cashback on eligible other-category spend and a 3.5% forex markup. Rewards are not earned on fuel, rent, jewellery, government, wallet load. It suits food delivery, online shopping, young professional spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-28. Confirm final terms with the issuer.
Reward structure
1% statement cashback on eligible other-category spend
- 10% statement cashback on eligible Swiggy Food, Instamart and Dineout transactions on Swiggy (food/Instamart/Dineout) (₹1,500 monthly cap) — Swiggy Money, Liquor and Minis are excluded. From 21 April 2026, each eligible 10% transaction must be at least ₹249; merchant routing and transaction size are not inferred from broad dining spend.
- 5% statement cashback on the issuer's eligible online merchant categories on online merchants (₹1,500 monthly cap) — Only issuer-listed online merchant categories and MCCs qualify, and each eligible transaction must be at least ₹100.
Eligibility and important limits
minimum age 21, maximum salaried age 60, published monthly income floor ₹15,000 Indian nationals: salaried gross monthly income above ₹15,000 or self-employed annual ITR above ₹6 lakh. HDFC Bank publishes no numeric bureau-score cutoff; approval remains subject to documentation and issuer policy. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, jewellery, government, wallet load, gift card, cash advance.
Important limit: Cashback is credited as statement credit in the subsequent statement period.
Frequently asked questions
What is the annual fee for the Swiggy HDFC?
The published annual fee in our current record is ₹500 plus applicable GST. It can be waived after ₹2,00,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the Swiggy HDFC?
1% statement cashback on eligible other-category spend. Accelerated routes include 10% statement cashback on eligible Swiggy Food, Instamart and Dineout transactions on Swiggy (food/Instamart/Dineout) (₹1,500 monthly cap); 5% statement cashback on the issuer's eligible online merchant categories on online merchants (₹1,500 monthly cap). Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the Swiggy HDFC?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, jewellery, government, wallet load, gift card, cash advance. Merchant category coding and issuer terms determine final eligibility.
Who should consider the Swiggy HDFC?
It is most relevant for people focused on food delivery, online shopping, young professional. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the Swiggy HDFC worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹500 plus GST each year. The fee is waived at ₹2,00,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the Swiggy HDFC?
The published minimum age is 21. The published monthly income floor is ₹15,000. Indian nationals: salaried gross monthly income above ₹15,000 or self-employed annual ITR above ₹6 lakh. HDFC Bank publishes no numeric bureau-score cutoff; approval remains subject to documentation and issuer policy. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the Swiggy HDFC?
The recorded foreign-currency markup is 3.5% before GST. On ₹1,00,000 of international spend that is about ₹3,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the Swiggy HDFC offer airport lounge access?
Domestic lounge access: none. International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.